I wouldn't accept it as my only car, either... although with delaers offering up to $6k off of leftover '06s (with the "new and improved" '07s on the way), we're thinking about upgrading the '05 EX to an '06 SE. Mel wants leather and heated seats. Why heated seats in Texas? Don't ask me.
I hear ya on e-loan. It was a tossup between them or Capital One for financing on the RX-8. I went with Capital One because of name recognition, but they both had the same published rates.