I decided to try and find a better deal, however I can say that after countless back and forth with LFS and the dealer, for a one pay lease you WILL get credited back the unearned rent charges which will be reflected in the final buyout price (residual value less unearned rent). So either way with a one pay or regular lease if you buyout out early you are NOT on hook for the unused month rent charges.
In addition, if you do a one pay lease and your car is totaled within like a day or so, what happens is your insurance will value your car at whatever price they deem it’s worth and send this check to LFS. LFS will then take any overage and send it back to you via a check (I.e you do NOT lose all the one pay money you put up front if your car is totaled before the buyout). Confirmed with LFS lease specialists.
Finally, idk if this is specific to Lexus or whatever but weirdly enough for a one pay lease, they do not allow trade ins to be used for cap cost reduction to lower your tax bill (at least in Ohio). I called LFS and all the Lexus dealers in my area and that seemed to be true. However for a regular lease trade ins for cap cost reduction was allowed. I have no idea why.