Assuming you are not a professional trader or flipper but just a normal buyer, and you could afford it, is there any car you would pay over list for?...
My own answer is...zero. I just can't ever see myself paying a premium over list in any circumstances.
I have some of those but if I miss an allocation I just grin and bear it. I just cannot bring myself to pay the premium. I have missed a few desirable cars that were hot at the time but that’s ok.