Hi all - I use reddit often but thought I'd see if any Subaru lovers are here too...

Picking up an ascent I ordered about 1.5 months ago on Friday of this week. Before I pick up, I have a couple questions.

Subaru is offering 72 months at 4.9%. I was able to get my local credit union to match this. Is there any extra value to go through Subaru at the dealership vs my local credit union for the same loan rate and duration? Any better rates found in the Syracuse, NY region?

I ordered a limited 8 passenger with tech package at invoice price.

Add on: Exterior auto dim mirror, trailer hitch, door edge guards, wireless charger and door handle inserts.

Things I need to buy that I was thinking about buying second hand for cheaper. Rubber floor mats (Weather tech, husky or subaru outlets), Back of rear seat protectors (plan is to have rear seat down most of the time), Bench row seat cover (3 car seats will be a-crossed). top of Rear bumper trim protector.

Anything else I should be looking to pick up or looking for?

Is Ziebart undercoating worth it? Plan is to have the car for 6-8 years. (My wife and I keep almost every car we have owned for at least that long, if not longer)