I was just in the same situation, we wanted Sterling gray/black interior with premium,cold weather, heated steering wheel and navigation. In my area we were looking at 2K over invoice. We got lucky and came across a CPO'd O5' with all the above options in sterling gray/black interior with 8,600miles with headrest lcd's, cd changer and rear climate, load floor etc. I worked the deal down to $46,900. The vehicle is pristine, I'm picking it up tomorrow. I figured that I just saved $11+k over a new '06...it seemed worth it since it had everything we wanted and more. As referred to..it makes more 'financial' sense to do it this way. Most of us in this price range 'have' the money to do both..but with a baby on the way..$11k in a trust @ age zero pay for a year of college @ 18yrs