I want a alloys (at oleast 16"), ABS and a sunroof in my 3, so if I go with a GT at $21.XXX I have to add the GSX for another $13XX so I'll have a $22.500 CAD 3 + taxes + interest.
Or I can have a GS at $18.000+ Pwr + Sport and it's $20.800 + taxes + interest, a savings of $1700x15%=$1955, over 48 mths it's 40/mth.
Then you gotta consider insurance - I'll be almost 24 then...