Why not finance over, say, 5 years? Assuming you plan to keep the car at least that long, and the interest rates are (as they have been) negligible. I financed my current car (less the $10,000 in cash I put down on it) over 5 years at 1.9% APR - the financing is costing me very little, and my monthly payment is minimal. And I got incentives and discounts on the car when I bought it, too.
I’ve already decided, though - my next new car will be a used car. Let some other pay the 20-40% depreciation that occurs over the first couple of years, leaving me with a practically new car for a bunch less money. I must admit I’m not super thrifty, though - I’ve developed a taste for nice cars, not just basic transportation. I’ve had enough of those over the years.
We bought a Toyota Highlander that was one year old and had only 14K miles on it and paid $5000 less than the people who bought it new just one year ago. The thing is so clean you would swear it was brand new.