How many miles do you drive in a year? How many miles does the the Macan have on it now? You can negotiate the lease buyout, which is the only way I would take the car cause now you can turn around and sell it hopefully with the factory warranty, which is a good selling point. Depending on some factors you may even be able to make money off the Macan. The Macan will more than likely be worth a lot more than the Cherokee. The glaring issue is the word of mouth contract. If you could afford the insurance I’d just pay for that and tell em no to the maintenance since the Macan is under warranty still. Look at the deprecation for both cars and resale value while factoring in the 14k + insurance.