Slight thread drift - Flynowpaylater, you have left out one very important factor in your calculations - "tax deductible". And that includes depreciation. I'm sure all these STUPID people have clever tax consultants. They may even bank with HSBC Switzerland.
As someone said earlier in the thread, spend a fortune to be second best.
All that duplication of multiple AOC's - I just don't get it! But I'm just a driver.