Bottom line: no matter whether someone is rich or poor, buying a brand new vehicle over a used great condition 3 year old vehicle (with low miles and powertrain warranty intact) never makes good financial sense,
unless they somehow think said vehicle will appreciate over time. In this particular case, I find it unlikely that these JT's will be considered overly special, unless someone plays the long game and barely drives it for many, many years. With my luck, I'd have a gas powered truck in an electric age where nobody is allowed to drive it anymore, LOL.
Otherwise, 99.9% of the time, after 5-6 years the absolute best you will have is around 55-60% of your original value (4 door Jeeps, Tacomas etc.) if you can find a buyer willing to pay that. We are lucky with our Jeeps when we keep them nice. With most vehicles, it will be somewhere between 30-40% of original value. Expensive German cars usually are the worst to buy new.
Even for a person that has paid cash without financing, or for someone that landed a 0% loan, it still isn't a good deal. The more expensive the vehicle, the worse of a deal you land. For the person that paid financing for 84 months on a 60k+ car, they really need to sit down and play with the calculator and give this some thought. Just because you are wealthy enough and can afford the payment, it still doesn't mean your are spending your $ wisely. Most of the well off people I know (after the full haul to retirement) got that way by working hard, playing the long game, and spending their money wisely along the way.
About a year ago, I stupidly pondered shelling out 60k including taxes (and probably 7k+ after mods) for a new vehicle optioned exactly the way I would want it. You only live once, right? Buy once, cry once they say. Unfortunately, for the wise that actually do the math before thinking it through, you really just keep on crying! And this example is only for the so called smart ones without a loan! Now imagine the situation for the folks that are doing this over and over from age 25 to 60! Be smart folks.
Example for cash transaction with typical Jeep depreciation after 6 years
Let's say I saved up my money and want to buy a newer Wrangler 4 door and I want to install some mods. I got the bug for the new JLUR...I just have to have it. I have the money saved for purchase and mods.
Money in bank: 67k
Choice 1: Loaded 2019 JLUR
Cost: 60k out the door with tax
Mods: 7k (decent quality lift and 35's etc.)
Total: 67k
Worth after 6 years:
~32k total (Jeep with normal mileage wear etc.)
Choice 2: Buy a used 2016 JKUR stock with low miles in great condition.
Cost: 35k out the door with tax
Mods: 8k (decent quality lift and 35's, LED's, heated seats, stereo)
Total: 43k
Invest the rest of the 24k and it yields 5% for 6 years.
Worth after 6 years: ~20k Jeep + 24k investment + ~8k in interest =
~52k total
(Note: if you keep investing the 24k at 5% for 20 years, it could have grown to ~63k!)