Try looking at Jeeps as an example. This may be an extreme example, but if you look through their RV/MF sheet, which of course assumes you could even find it, it boggles the mind the differences between how various trims will lease even among the same model. The average consumer is never going to figure that out.
That is why a site like this one exists. With a bit of crowdsourcing, all of us can cut through some of the cloudiness.
Go talk to someone in their 60s (or even someone in their 20s) about a money factor. Now when you understand a MF, itâs easy, but it can be confusing at first, and thatâs one of the easiest parts of a lease. Leases are confusing because dealers are great at making them confusing. So 1% can be a useful alarm that a deal is not good for you. I am not saying itâs good for evaluating whether a lease is âa good dealâ or not. Thanks to this site.
Leases are confusing because most people never take the time to figure out how they work and would rather be lazy.
Iâm talking about people on this site who have the information readily available to them. As for the other 98%, instead of giving them a false sense of security by telling them about 1%, why not help them actually learn how to evaluate a good deal?
Generally speaking I donât think a 20 year old or a 60 year old is incapable of learning.
Most people are payment shopping & thatâs the reason the 1% rule is such a big debate.
People rather just use the payment as a the barometer of a good deal instead of actual information.
ConfessionâŚ
Absolutely all I do is payment shop! Absolutely nothing else matters to me*
*By that I mean how much does it cost to drive the stupid car for the lease term 
yeah but you probably payment shop for the lowest you can get.
Most people car shopping payment shop to for either
GawdâŚI just canât help myselfđ
For fun letâs go ahead and list all of the cars that would be considered a really really bad deal at 1%. Then letâs make a list of all the cars that would be considered a really good deal at 1% or less and see what the ratio is of cars on both lists.
Iâm awful, I just canât help myself⌠@vhooloo is a bad influence.
New Rule: (1 - (Total Payment / MSRP)) * 10
This will give you a scale of 1-10
Trademark pending
did you just reverse annualized (just made up the term but still) the 1% rule ? LOL
So like⌠iâll take a page out of @mllcb42 's book and ask⌠are you going to tell us how many times the broken clock is correct and use that as evidence to show why the 1% rule has practical use even if itâs fundamentally flawed?
By all means⌠go for it 
While youâre at it why donât you also make a list of all the cars that are considered a good deal at 1.25%⌠you know⌠since that could also be the caseâŚ
Be sure to define your exact use case, because there have been plenty of vehicles that are simultaneously an amazing deal and a horrible deal at 1%, depending on who is asking.
Schrodingerâs lease if you will.
Wait⌠you mean everyone doesnât qualify for $1k in loyalty and it only applies to some people?? Whoâd have thoughtâŚ
Hell, Iâve seen incentive swings of $7-8k depending on personal qualifications (loyalty, regional, etc).
Im lazy and was hoping someone else would do itđ
And those people cant get the best deal. Its happened to me many times so when it does I look at something else where I can qualify.
Too complex. I canât handle combination of subtraction and division with parenthesis since I canât remember my PEMDAS
I am drawing on memories from many decades ago, but was that âplease excuse my dear aunt sallyâ?