I guess.... I am not claiming to be the richest man ever, far from it lol. But I wouldn't even look at this car if I couldn't get the SS. (THIS IS JUST ME)
I would always hate myself for not figuring out a way to buy the SS and would never truely be happy with my base model, especially when I saw an SS on the road. It is only a few grand difference between the two models, if you can afford a new V6 and you can't afford a new SS you probably should be looking at a Kia.
I am in finance and the difference over 48 months or whatever you want to term the loan for 28k/29k vs 22k/24k is peanuts. Unless you are totally happy with the V6 as is and feel 300 HP is enough and you have no plans to mod the car at all then I am cool with owning a V6. But most all of us that are spending time on these boards are enthusiests, not everyday buyers. And with all the threads on modding the V6 it boggles me. I think some of the younger guys who may not be able to afford much don't understand how little the payments will differ between these two models.
Another option for guys who can't afford as much would be instead of purchasing a V6 LEASE the SS. I bet it is actually a bunch cheaper only monthly payments. Then you can give it back in 36 months for the Z28 when it drops