I was set on 2dr BD but the more I think about it the more I feel like I can buy the base, add the aux switches from the factory, spraypaint the wheels black, and be just as happy as I would with a BD. I can always add bash plates/rock rails later. Upgrade the tires after the originals wear out...
I don't think the person you're replying to is talking about buying a whole vehicle outright, just not financing a bunch of extras on a new purchase. Financing a vehicle is justifiable because it is such a large purchase. Lumping in $200 dollars here and $500 dollars there for simple things like...