thats the rub. do you pay the adm or not on principle. that only you can decide. people can criticize all they want. who cares, I know I won't lose any sleep over it if they do. if the times were different and we could see a correction in the future I would have held out but that has yet to be seen. I got my 18' for 4500 under msrp when they had 11 - 19' on the way to the dealership. I knew that wasn't going to happen again soon with all the crap going on I took a somewhat of an educated gamble and snatched up a 21 mid January for $10,000 adm, that someone backed out of. I had two order in mid December one at msrp and one 2500 adm. it turned out neither had allocation and the one that said msrp started to back pedal a few days later. Say what you will about adm, in hindsight I made the right decision for me and got lucky. they gave me 2500 more for gen 2 on trade in then the other two dealers would plus I would have to gave them my gen2 before my truck came in for that price.
so if I would have waited until who knows when. I would have given up all the little things the ford eliminated on the 22, lost out of the low 1.9% (about 4% now) rate I got, still probably wouldn't have it and the biggest thing is that if I priced out the same options for the 22' now with the 21' I ended up getting which was pretty much everything I wanted except the graphics. with all the price changes I would have paid $5k more.
10,000 more plus the taxes so $10,600
approx 2k in interest savings. only finance half (2,000)
trade in difference. (2,500)
savings for price difference. (5,000)
graphics cost I basically threw away by removing. 1,075
I paid approx $2,175.
more by getting it in January rather than who know when. IMO for me it was well worth it because I got everything I wanted and didn't have to delete item I really wanted to get it faster. and I got all the little things like lighted cup holder temperatures on the knobs etc.
for some waiting makes sense for others it doesn't so the criticism is futile and will fall on death ears. at least to me it does.