I don’t think you have enough information to make an informed decision.
What are the incentives and money factor from Audi for your area and that model? I would get them from Edmunds. Looks like there is at least $750-$2,000 in factory incentives that they are including in their quote.
Push to dump the etch; just BS dealer add-ons which is pure profit. Lastly you may be better to just go with 10K miles just in case bc you are really only saving about $15/month.
Yes, putting funds toward MSDs would be much smarter than just putting money down but you don’t know what MF you are actually reducing.
Why are you guesstimating? If you are close to pulling the trigger, you should be able to replicate the deal in the calculator. Don’t assume they are using base money factor.
BTW - Quick search and @nyclife, who is local, has your deal beat on a $66K S5: