brent, your not paying attention.

when he bought it he couldn't afford the 4x4.
now he can afford the swap. but he is upside down in the X because of the shitty resale value.

so its smart to take a 2k hit and do some work than to take a 10k hit and have his monthly payments also go up for a new 4x4

I considered this mod as well... but decided instead to buy an old beater 4x4...