Another factor to look at is whether or not you are leasing or buying.

I tend to load up the car more when I buy. Thus say "Yes" on HUD.

Granted with leasing you are only paying a portion of HUD (not the entire amount). But at the end, you don't own the car at the end of the term. I like to keep my payments lower and get the bare essentials in that situation. Thus if I were leasing, I'd say "No" to HUD despite the reasons why I liked them so much earlier.