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Too lazy to read it all but my biggest suggestion is look at Certified Used instead of new. Better warranty (in most cases) and get more car.
I bought a brand new WRX last year and I wish I wouldn't have.
If you look around you could probably get an IS certified for 22k. It will require some haggling but it's a hell of a car. There are quite a few more options at that route. Just make sure you read how their certified program works as it's different for every manufacturer.
I know Honda and Lexus have great programs.
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