Can you summarise? I fell asleep half way through reading thisIt really isn't the "whole point" of them. It is one of a number of advantages.
I make the following observations:
1. Anybody who really does think that cheaper transport is the "whole point" is (aside from being an idiot) likely to be the kind of tight-fisted bore who devours the small print for breakfast.
2. Anybody spending 20+ grand in a single transaction (whether in one outlay or in a credit agreement) is likely to pay considerable attention to the terms.
3. Anybody who doesn't pay considerable attention to the terms of their 20+ grand transaction either has too much money or deserves what will befall them.