That's fair Matt, and if that's the case then that's fine.
I just - in general - feel like deals like these often trick people, and people go for them because they sound like it will save them money, but it often costs them in the overall picture. Mostly because they don't know enough to realize all the variables they need to correctly calculate the best decision, they only look at one or two things and make their decision. If you have thought critically about it, and it's worth it to you, great! :)