Simple man, I pay $250/month with only $2000 out of pocket at signing for my P5. It may not have the MSP handling, stereo or turbo but it hadles great in my opinoin and I compare it to my MP3. The stereo is still doing me ok and I am more picky then anyone else here about that stuff. The lack of power isn't a big deal unless I get back in the MP3-T.