The tax credit is over I think - my understanding is that Toyota sold the max the govt was allowing credits for. As to the stereo - my old camry had a great system (6 speakers with lots of bass). I can always swap that in the new prius if I don't like it. Same with tires - can be upgraded. The seats another story - I have read both good and bad - I drove it for 1/2 hour in rush hour so I was sitting for a bit - it was definitely firmer than the old camry seats, but was OK. I guess I could always get some pads if it bothers me. Waiting for mine to arrive next week.