If a used one is just 10 grand less than a new one, you might as well get a new one.
One thing that influenced my decision- a 2012 has carpet in the living room and bedroom- a 2013 has no carpet.
The term is determined by how big a note you can stand. If you can stand an $1,000 trailer note you can go 5 years.
If your note must be smaller you must go longer, but halfing the note will triple the term, costing many thousands more in the long run.
2013 Classic 30 Limited
2007 Silver Toyota Tundra Crew Max Limited 5.7 iForce
2006 Vivid Black Harley-Davidson Road King Classic
1999 Black Nissan Pathfinder LE
WBCCI #1811, Region 6, Unit 56