lol, you didn't ask what I would do, I am telling you what the avg person does.
And this is what I did with one of the two cars I have. I did a 3 year lease, and just paid cash so I don't have to pay the money factor number as well. Also, you can work out a deal on most leases, most people don't know that.
My car has a 45 3 year residual value, so I paid 55% of the sticker, (had to pay marketup, luxury car, no deals on thoose) plus taxes and other misc fees. That way I'm not stuck with a car note.. i hate car notes, and actually in September my lease is up, i can just drop off the keys and either pick up something else or just keep my other car.. i still haven't decided.. but becuase i paid cash for it, it's not a libality any longer
do your reserach before making decisions like that. Leasing comes down to one thing... what the market predicts your car will be worth in 2-3 or 4 years. Some cars are GREAT to lease. some cars you end up paying more to lease, and you have the milage restrictions. Also unless you did what I did, you have to have A-1 credit to even make it worth while to lease. they don't hand leases out to anyone.
normally a lease is going to be the same as your 72 or 75 month payment.. when i was a salesperson, I wanted you to lease. 1) you were coming back in 3 years (not that I was sticking around or anything) and 2) I made more money, becuase you didn't know you can talk me down on a lease, you took a look at the payment and i couldn't get you in the finance box fast enough. you lease cars with high residual value. Hondas and toyotas are great leases because they hold value.