Add what you already have invested in the car, plus their total for financing, etc, and you get the real cost of the car, which will seem rather pricey. Why GAP insurance? That is only if something happens to the car and what you owe is more than the insurance company will pay you. That turns out to be darned expensive insurance. Also, who is underwriting the warranty they are trying to sell you. I do not believe Lexus would be the warrantor on a car that would take it up to 11 years old, or 107,000 plus miles. I personally do not believe in leases, but you would be better off leasing a new car and not shell out $3600 plus for an extended warranty. The new car would give you 4 years and 50,000, with no additional costs.