['97ventureowner]

Originally Posted by zippe

Well that's kindof my sub-problem I guess...

Will there be anymore 2007 models in a month or two, sharing the lot with 2008s? If so, obviously even better deals. But I am leaning to saying that the dealerships will have sold off all their 2007s by the time the 08s come in. What do you think there?

It might be a regional issue concerning availability of leftover '07s. It can depend on how well they sell in certain areas and the dealer's inventory. Some dealers may be willing to find you an '07 if they don't have any or one that suits your tastes.
On the issue of refinancing at a later date and any extra fees, there might not be any if you shop around. Try a credit union as they tend to be lower on their fees and APRs or a competing lending institution. Some credit unions here do not charge any extra fees to their members who refinance their auto loans to get a better rate. I shopped around last year to refinance my mortgage to take advantage of the lower rates and found a bank that charged me no fees or closing costs. I was able to refinance the full amount plus take out a little extra and paid no fees. The catch? I had to keep the mortgage with them and not refinance it again for a period of one year. That was it.