Am I a moron if I do this *Finacial Guys Get in Here*

Update:

Official Purchase date will be in Oct, Color combo I am looking for is Laser Blue/Biscuit, its actually about 12% of my monthly income and I am a moron and put a larger loan price in the calculator than actuality, still budgeted for the originally calculated payment though and plan on paying more than minimum.

Still trying to figure out if the factory LSD worth looking for or should I just go aftermarket…