Deal Check Mazda CX-90 PHEV Premium Plus AWD 24mo/12k

Hello Hackrs, looking for some input on the deal I have on the table with a local dealer. I contacted several dealers with a target deal and this was was the only bite I got. Not my ideal color but more or less happy with the deal and they are also willing to give me what I want for my trade so I don’t have to deal with CarMax or Carvana. Calculator Attached.

One additional question Id love to hear thoughts on is max MSDs vs One Pay and the pros and cons. Thanks in Advance!

MSRP: $58,950
Selling Price: $54,234
Incentives: $7,500
MF: .00314 (.00242 after max MSD)
RV: 69%
Pre Tax PMT before MSD: $527
Pre Tax PMT After MSD: $464

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APR is 7.536%/5.808, which seems pretty high, but the RV is pretty good.
Can’t offer any advice, but curious as to other replies.