you make a valid point dave but if you factor in the interest rate of buying a used 2008 sti over the incentives/interest rate of buying a new 2010/2011 sti (limited or not), the monthly payment wouldnt be all that much different. it would be even cheaper of a monthly payment if you wanted to extend the term of the loan out to 84 months on a new car. it all depends on what one specifically wants/can do with how much money/credit they have.
Right, my rate for an 08 sti is 4.9 percent for 60 months if i pull the trigger, 5.5 percent for 72. Puts my monthly payments, with trade in, between 330 bucks and 390 bucks. It's really REALLY easy to get upside down in this type of car/loan situation. The 08 STI is down 11,000 dollars from new, makes me think that one would need a massive down payment to not be upside down in the loan.
But yea, it DOES depend on what someone wants to do with the car. I'm not gonna mod mine, so i might go higher payment just to stay ahead of depreciation. With the Baja, I was paying and modding and almost got caught upside down(LOL, ok, almost LITERALLY).