You have a lot of time left on your Durango lease so there is no need to rush into any decision during the current environment.
People on this forum tend to treat any lease longer than 39mo like it’s a time bomb that should be avoided at all costs. Chrysler Capital has their strongest program on 42mo for the last 9 months so that is their strongest value. But if you are willing to do 42mo, you should also look at 48mo because both leases are outside of the factory warranty and you end up saving even more money on your monthly payment. But the best 48mo payment isn’t through Chrysler Capital.
Either way, with most Ram 1500 42/48mo leases, you’ll have some equity in the 36-39 month mark so you can trade out.
Since you live in San Diego, you can lease through Mission Fed. Their leases come with a $1k wear and tear waiver which will cover tires or any other minor dings/scratches up to $1k. CCap doesn’t have this.
CCAP @ 42mo 10k is 53% with a buy rate of 0.00001 but only $500 in rebates. They are spending all the incentive money on the rate buydown.
Mission Fed @ 48mo 10k is 52% with a buy rate of 0.00158 but you get $5000 in rebates.
I’m not sure exactly how much lower your payment would be through the mission fed 48mo but it’s in the $20-$30/month range, depending on how exactly they are handling your trade equity or remaining payments.
I’m partial because I set the RVs for the Credit Unions but the deal structure is better because your cap cost is so much lower with the rebate difference. Basically if you want to trade it out after 3 years, you’ll be in a better position through mission fed than with the captive.
San Diego CDJR is signed with Mission Fed so you can ask them to run the numbers for Mission Fed at 48mo and request the buy rate of 0.00158 (if you are above 750).
Also try the other stores in town as they are all signed up with Mission Fed. I have a good contact at Carl Burger that should be able to beat the other guys.
PM me your email address/phone and I’ll Put together a list of contacts that are actually working these days to see if you can have more than one deal worked up to try and get the best payment.