Ditto!!

As far as "payback", there is more than just cost/FE to consider. My cashflow improved the moment I drove my TCH off of the lot. My Tundra payment was much higher, and [of course] its FE was much lower. But also, my insurance decreased, the tire wear and maintenance came down and I got a CREDIT [although only a small one] from Uncle Sam. Also, if my record keeping is correct, it looks like my depreciation is also goning to be less, thus I will enjoy a higher residual value when I get my new Toyota Hybrid.

[Acutally, I probably won't be trading or selling this TCH for that event. My wife informs me that she really likes the HiHy, so her Forester will go next.]

It is the ignorant among us that will eventually destroy us all.