Many people have a psychological anchor to a payment number, and feel like up-fronts (which can be lost, or wasted in an early exit) get them to a comfortable payment number. You spend the money regardless.
Some people will pay upfronts or one-pay to pay the absolute lowest rent charge possible, or to avoid rolling-in upfronts so they aren’t taxed.
I’ve shared the math around this a couple times:
It’s all preference. I am a “max MSD” (since I learned they exist) and sign-and-drive” - minimize the rent and transfer all the risk.