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I'm not really familiar with leasing. I just went in knowing I didn't want to spend as much on my commuter car and I liked the <$400 range. I selected the 128i for this exact reason and when I test drove it I LOVED the car! To stay in this price range I need to put a good chunk down. I know that mentally I'm paying the same thing either way it's just the lower monthly appeals more.
Also, gap insurance would cover the car if it got totaled. So I'm not worried about any loss god this would occur. I would appreciate if you wouldn't mind explaining the numbers so I can attempt to negotiate a better deal.
Thanks,
Ryan
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