I was almost in your position and was very close to buying a SRT8 Charger a few years back. That is when I laid eyes on the Challenger concept and knew I would not be happy with the Charger once these started hitting the streets. I did not not want to take the big depreciation hit either so I opted to wait. It has been 3yrs or so now but financially, I made the right decision...
Plus now I feel mature enough to drive a 425HP car!
