Buy Option
Upfront: $20,000
Monthly operating: $350
Monthly maintenance: $100
Total monthly: $450
Total 5-year: $47,000
Lease Option
Monthly: $400 (all-inclusive)
Total 5-year: $24,000
Benefit: Upgrade to new models every 2-3 years
Decision Framework
Buy if: You want to own, can manage maintenance, keep 5+ years
Lease if: Want flexibility, prefer predictable costs, want upgrades