I still believe they did not misstated the capacity of the 2.7... they just didn't want to recall the dipsticks... have a 2021 with 26,000 miles.... have always run 7 quarts. in it.... oil pan is the same on the 3.0 that also holds 7 quarts...
This is one reason why I run 7 qts. oil in my 2.7.... better mileage... :) And this true mileage... I have adjusted the AFE blas: Factor to my hand calculated mileage...
I have been running 7 quarts in my 2021 2.7 since day one... no problems and it has never been back to the dealership for anything.... do my own oil changes...
The payments you have been making is mostly interest.... you will be messing up... but what do I know..... have not financed a new car is 40 years... always pay cash...