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You can always re-sell a MID.
So get one, use it long enough to fine-tune your driving habits, then sell it to someone else. There are always people looking.
You'll get most of your $ back & so will dramatically shorten your payback time.
You won't be able to maintain *maximum* efficiency from your driving after you sell it, but once you've used it to hone your skills & cemented them into habits, you could probably maintain 80% (guessing) of the gains you got from it even after you've passed it on to someone else.
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