I've done it plenty of times, and I'm sure I will again. Is it the smartest choice? That depends on alot of things - mostly interest rates and your ability to pay for it and simply how bad you want it, but also on the cost and availability of used alternatives, how long you plan to keep it, how many miles you're going to drive it.... I really believe that if you can find what you need (want) in a reasonably low mileage, late model used one, it's usually your best bet. But if there's only $3K diff in a used one, then I'd go new. I put alot of miles on my trucks, and it's hard to find one that works for me that's not either nearly new (with a nearly new price) or completely used up, so sometimes new is about the only alternative. Being debt free is certainly a commendable goal, but there's nothing wrong with credit, if it's used judiciously.
Actually, the main thing I wanted to say here is don't be so quick to pass up your local dealer. I guess I'd be more inclined to try Willie's plan in reverse - if I just want to drive one, I'd go someplace farther away, then try to buy it closer to home. Of course for me, "local dealers" are 15 miles away, the next closest ones 30 miles farther. There's usually not alot of difference in what dealers will actually sell the same new vehicle for, if you can cut through the all their b.s. , and even if there's a few hundred dollars difference, buying locally is well worth it. You will need service on that vehicle, and unless your nearest dealership is a total dud, you'll kick yourself every time you drive by it on your way to "your" dealership.
Just my thoughts. Good luck on the new ride Else.
CB