There are, unfortunately, many people who only get enjoyment out of other people’s jealousy. They are proud that they have “good” insurance that covers everything, in the same way they are proud of their expensive house/car/boat/etc. If everyone has that thing, they aren’t special and it isn’t a cool toy because anyone could

If you have the means to pay it off early, I would. It is worse for your credit score, but you will feel great not having that payment hanging around your neck. I can practically guarantee that you won’t regret not having to make that payment each month.

There’s a lot of shitty “leather” belts that look great but fall apart rather quickly. I also tend to go through belts on my work pants, but I work construction and that is hard on the leather