Q, regarding "Fully Loaded", I never understood how someone could spend, say $18K on a fully-loaded vehicle that is 4 years old and off-warranty, when they could buy the same base vehicle (same engine, same model etc) for not much more (say $23K).
That is what we are talking about now. Sure, you can get a 4 year old, fully loaded ST for 18K, but you can also walk off the lot with a new XLT, Premium for $23K, and enjoy a warranty, no miles, and that "new car smell".
And, consider at that price, many will finance either purchase, consider the resale value 2, 3 or 4 years down the road.
TJR