They don't seem to know what they're talking about. It'll be interesting to see what you buy if you elect to change. I have to change my yoke next year but 15k will probably be the top end of my budget for something that'll do 5 years. I suppose, on those figures, 33k for 10 years isn't a whole lot more if you have it.... before you factor in the opportunity cost of not paying it off your mortgage!