After giving you my 2 cents in the post "Success Story" http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=7460
I decided that I did not want to pass up such a good deal, so ended up getting the car anyway. The hard work paid off though. I got financing through my credit union and with a 5 year term on a used car loan only have an APR of 5.99% -- not too shabby. I'll rent instead of buy a condo for a little while longer, it's nice not to stress about a mortgage, property taxes, and HOA fees for now.