re: Is it super dumb to finance a vehicle for 72 months?

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So? Why would you want to have cash tied up in a depreciating asset, especially if you have a low or no interest rate?

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That's kind of what I was thinking. At 0% there is very little reason I can think of to not do 72 months. At 3.25% there is only slightly more little reason I can think of.

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Why would you want to have cash tied up in a depreciating asset

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Doesn't matter whether it depreciates. What matters is the interest rate. So long as the rate is less than 2% (the long-term rate of inflation), stretch that baby out as long as you can.

The only way depreciation matters is if you total the car when it is less valuable than the loan balance.