I don't get it - what is the point of this thread???

I think asking "What is your occupation?" is a much more relevent topic to owning an X.

Would be quite interesting to see if more sciences or arts people get Xterras.

BTW: I paid for the X with my line of credit, so while I still owe money I don't have a set number of payments. Makes sense only if you can put a lot of money on it every month. Both me and wife are working so that is the choice we took.