Okay, this hopefully makes you feel better about your choice..Stupid advice, “put 20% down”, I think. Sigh.
Your math doesn't add up, unless you're talking about getting more because of gap insurance. Otherwise you get the same payout whether you owed more or less than the cars value.
Your total out of pocket is the same whether you finance some, none, or all of the car. If you have a $25k car and put 0 down and get in an accident, you have to come up with $25k to pay off the loan. If you paid cash for the car, you already paid the $25K. Financing any portion only changes whether your money is in the bank or already in the car.
Again, unless you're talking about less money out of pocket due to gap insurance, but you already said your loan is the same as the value so I assume no gap insurance.
Now, it's 6AM ad maybe I mis-understood or my brain isn't up yet