Oh yes. I kicked myself for forgetting to use one on Umbra. Too chaotic that day to think straight. Saw others post and realized it after.
oh yes. That made me pull the trigger now and payment plan so far out.
I was in the same boat not wanting to drop coin now for the coin. However, after the NRD, they won't charge you until 2025 with payment plan. You might kick yourself later. cheers.
I went for speeder less. No interest in the bike.