It's simply a matter of risk management. This happens all the time in the business world. Those who are risk averse would be far more willing to pay a significant premium to reduce risk as much as possible.
Now for those that buy new because they like being the first in the car, or they like the idea of driving something completely new, well, that's just a matter of paying a premium to stroke the ego. If you've got the money for it, have at 'er, I suppose, but I'll never understand it.
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