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Is Ford pass required to purchase or can that be set up at another time? Benefit to doing it at dealer or does it matter

Hey, new to the site obviously. Does anyone else have extreme anxiety when the moment to purchase comes like wtf am I doing this is a terrible idea lol. Horrible buyers remorse even just on a refundable down-payment lol. Anything over $500 I take months to decide, anyone else ?? Lol hopefully...