is right, you cannot include the add-ons in the depreciation calculation. But, if you did buy the max care warranty and add-ons from the dealer you likely overpaid by a lot. There are dealers you can purchase through separately and save a ton. I just purchased my max care through Tom Winkels ([email protected]
) after cancelling the original one I purchased. Tom saved me more than 50% of the original plan purchased from the dealer. Max care is fully refundable if cancelled within 60 days from purchase, so you can likely cancel from your original dealer and it won't cost you a cent.
To put it in perspective, I paid less (including the Max Care warranty) for my 2022 Touring L Hybrid with S Package and U Connect Family Theater (so "fully loaded" Touring L Hybrid) than you did. (Also not factoring in the federal tax credit). $6500 in add-ons is a lot of money, more than 10% of your vehicle purchase.
You signed your deal on the car, so be happy with it and enjoy it, but you can likely unwind the add-ons (if they are the warranty and service coverages) and get them from cheaper.
Lots of good info on this forum!