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47-50k OTD worth it for 44k mile 2021 3.0 premiums?

gleachy

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First Name
Garett
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Aug 20, 2026
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KY
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Hey guys so ive been looking at buying a car for a while now, and i was dead set on buying a MK8 Golf R at a 38k price tag. However i started looking at 3.0 premiums and absolutely fell in love and did a 180. However its a 10k price difference which i am fine with and the monthly payment would increase by about 100-120 depening on price. My question is, is it worth it to grab one for 49k after taxes and fees with around 40k miles or should i go up more to 53-55k otd after taxes for less miles. All the dealers i have spoken with so far have been hard stuck on price so i would just like some opinions right now.
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