This Is just what I’ve seen some of my friends & their family do, and this was prior to covid when cars had been in abundance. They also wrote their trucks off because they use it for work, but maybe you can extrapolate a little from it. They also had cash to make initial purchase.

They would buy the newest diesel by gmc drive it from 0 miles - ~15-20k miles. Trade it in and repeat. It would result in the car being used for about 2 years. By doing this they maintained >2/3rds equity in the vehicle, and would get great APR rates through the dealer.

By using the car for work, they never anticipated paying it off or living car payment free. So they looked to just optimize their monthly car payments.

Last add I saw from gmc (on Reddit) was 3.2% apr, but it required you to sell your current car which was already bought from a gmc dealership. So theirs weird deals out there, just read the fine print.