for giggles, i called a lender - they'll let you borrow upto 110% value on a vehicle. i gave them a specific vin for a loaded 2014 p85d i was looking at. they said NADA price is $71,750. feels like if any p85d owner totals their vehicle its going to be a huge battle to be able to replace it, no? i.e. insurance not going to pay what it costs to get another one.