It’s going to be $10,000 less coming and going. Don’t forget that. Most (if not all) banks will not finance a branded title. Makes it very hard to find a buyer, plus the whole “branded title” thing.
Personally, I wouldn’t do it, but that’s just me. I’m a firm believer (professionally and personally) in spending the money and buying the right car.
I wouldn’t assume that someone forced a buyback because they were in over their head. If it’s a legit buyback, through legal channels and the state, it’s 99/100 times legit. Manufacturers generally offer trade assistance or financial assistance before allowing a leman law claim to start.
Depending on the car, it could be the difference between selling the car in a couple days at the right price or selling the car in a couple years and losing your ass. Knowing how you flip in and out of cars, you won’t have it long.