If you like new equipment most of the time, then the payment isn't a big deal. But, as Mr. Smith eluded to, having a $900 a month payment for 4 years is a TAD different than $900 a month for 7 years.
24 month difference at that kind of payment is more than 20k, add another 12 month and it's well over 30k. And a typical
Vortex is more than $900 a month last I checked.