Personally, I would (and am) waiting until maybe my 2nd year, if not 3rd to extend. You have up until 2 years, 364 days and/or 35,999miles to purchase. The only advantage I see to buying now is that you get to finance that too. Put it this way though, either you get to keep your money longer and have it earn interest or whatever, and then pay after saving up for it in 2 years...OR you give them your money, let them earn interest on it, and you lose money. I have the NAV too...as I said, Im waiting until year 2 or 3. I have towing and gas service through my insurance company, and since I have nav I dont need them to plan my trips. My $.02