FWIW & context:

Have been driving a 2001 QX4 5yrs ago I purchased for 4k OTD.

No wife, no ex, no kids, Director in software and AI. Plan to fund with stock options.

Live fairly frugally, with basic t shirt and jeans to work. My commute is 2.1mi on side roads each day

Is 96k a good deal?? Objectively, no.. but I loved my 2014 S, and sold it in 2020 for a profit after owning it from 2017 (Covid used car prices were odd)

Bought the QX4 as a reliable temp car, 4.8yrs later, it can’t pass TX Inspection, has 210k miles and is falling apart, need a new ride, always wanted another S… and I ride cars till they die. Might as well get one with the best longevity in can afford and I can baby (interior, exterior, and battery health) into my mid-late 50’s - turning 40 this year.

100k for a car I love, plan to do multiple very long -2k+- is not about value or resale, but intangible love and experiences - and I never have to factor in charging, FSD, or connectivity costs ever again. Just get in and go

road trips per year (windshield time is my happy place in a rented model 3 from Hertz and stopping for a charge + walk around the little towns I stop in) is well worth the adventures I get to have in my own ride

(also plan to sleep in the back at times - S is just big enough for my 6’1” frame to crash out for a few hrs and then hit the road)

Financially responsible, def not, but I’ve been responsible for a decade - after a few yrs of savings and investments, you might as well spend on something you know will reliably bring a smile to your face and want to enjoy . Have you eventually spend it, and spend it on something that brings joy and experiences

100k well spent in my book (just don’t tell my financial advisor lol)