Okay, here’s my argument for buying it. What if tomorrow evening you hear a knock on the door, you answer and a guy pointing a gun at your face says “show me a 2021 Tracer in your garage or I’ll blow your head off!”? Think how in your last moments you’ll feel not having bought one. Can you really take that risk?
I have used that logic several times to help me buy a new motorcycle. Works every time.