I'm getting a $15,000 car, $17,000 after taxes. But I was wondering should I get $20,000 just because I want to get a digital slr camera and gps system? I'm n the navy and know I'll want to take pics while I'm out at sea. Should I for my add ons or should I not because of the lower payments. The payment probably won't be too much lower but I didn't don't know for sure.