Again - with 10 MSDs ($6K, not $7k as dealer said) and 0 down you will be at $591/mo and will get it all back at the end of lease vs. $548/mo with $3k down (which you will never see after lease end). If you do not pay $3k down and do 0 down and no MSDs, your payment would be around $637/mo, not $660/mo as dealer said. So, 10 MSDs save you about $45/mo.
I won’t even go into losing your $3K down payment if your car is totaled.
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