The good here is you are getting a car you want and have enough of diaposable income to shell out on it. The bad, you are giving the dealer a (leased?) vehicle that they’ll flip for a profit and you really get nothing out of it other than the the ease of getting out of one car and into the next. I’d sort out the value of your civic first. I’d also look at broker sheets found on this site and compare their deals to yours. Each region is different with rebates and incentives but I’ve seen Q8 P for under $1k with $0DAS in the northeast. Also confirm which banks owns your Honda, US Bank has been knows for hiking the dealer buyouts.