The value retention of some of these cars is insane.
A 6yr old mid trim Highlander with 18K miles is valued at 19K trade-in and almost 22 for private party.
Considering you can buy a brand new 2018 for 32K or less, that’s only 10-12K in depreciation plus about $2k in interest (assuming 48m @ 3.25%) amortized over 6 years = sub 200 per month
(+TTL of course, depending on where you live)
And all the safety features in TSS are standard.