You think for 40k they should least throw in heated seats. Call me old but heated seats is pretty essential option I just can't live without. Also been spoiled with parking sensors, amazingly convenient living in the city.
i dont think even with 850 credit you'll get 1.99, unless its a manufacture incentive. Current interest rates are pretty high and still rising. Same reason why mortage is tanking.
https://fastestlaps.com/tracks/willow-springs
if you look at the motortrend laptimes, they are pretty much even. 1le has always been in fraction of a sec off gt350.