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2023 Lincoln Navigator Reserve — question: CPO luxury SUV or brand-new mainstream SUV?

NewCarHunter7Community StarterMar 1, 20262023 Lincoln Navigator ReserveNationwide
Budget works for either a lightly used luxury SUV or a new mainstream model with a full warranty. I'm more worried about three-to-five-year ownership cost and service downtime than the purchase price. How would you compare them?
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