first and foremost thank you for your service!
now on to the specifics. CASH will always i repeat always get you a better deal! if youn find what you want from a private sale then the cash really works in your favor. a car with title in hand also affects the ins. you have the ability to choose the the amounts of coverage from pip to full replacemanet coverage. as its your car you decide. when the bank owns it they decide!
if the srt6 is your choice then go for it. i may suggest to the chagrin of all on here that you look at the slk32 amg. this is were the srt6 was born from. fast elegant and the option of a hardtop or a convertible with the push of a button. either way you will have a blast with these rockets!