When I bought my 24, it was 2.9% for a new car and 5.9% for a used car. Maybe the financed difference is counterbalanced when looking at depreciation too.
Either way, the interest alone is about $55 a month, on a 5 year loan.
I have USAA. I haven't seen any huge rate increases over the years, other than when I add a teenage driver to my policy.
I shopped it around last month, USAA was $1K cheaper (6 month policy) than the others.
I just think this whole line of argument is stupid. Trying to compare an old (static) timing system to a new one, which can account for the chain wear as part of the design, and how it relates to auto-start/stop wear is an unrelated tangent.
I'm still waiting for this to move past...
I think you're romanticizing the old (simpler) setups. They weren't flawless. Many of those timing setups from the 70s-80s had nylon/nylon coated gears, and wore out. You still had to put a new timing set on.
If you do it while the throttle is depressed, ie - you're driving, you'll feel the throttle map change. You'll speed up a bit even though your gas/foot hasn't moved.