I would personally find a new dealer. That is wild as a policy. I’m guessing it is a small dealer and not a large one part of an auto group.

Buying a car already has enough paperwork. Let alone you buying it, waiting 2-4weeks for the new lion to be set up, and then getting a whole new loan

No. That’s is considered a fairly low rate. Your investments should do better than that

Good clothing is easily 10-20years if not life. Have 3 pairs of shoes, 2 pairs of boots, 3 jackets. All that are 10+

Columbia is a great value.

Good durability, fairly warm, and usually on the more inexpensive side.

Definitely not a lifetime product. But for light use, easily a few years.

Columbia products tend to be heavier/bulkier than other offerings which is how they are so competitively priced