Good i'm glad you were offended, I wanted to make sure I stirred you up a bit to get you rethinking everything because doing what you said would be a mistake imo.
You say you're looking to save money by getting smaller monthly payments but you're looking at a $24K car... You do realize that means you're looking at like a $400-500 payment and probably $200+ insurance per month. If you even get approved and if you put like $4K down. You're gunna be needing that money for baby crap bc babies aren't cheap. Seriously, ask people with kids how much stuff costs and add it all up.
The reason i assumed you wanted something to play with was bc you didnt even mention most of the things i did in your OP. You just talked about all the engine stuff and crap.