Shopping for a comfy soft top 4 seat convertible with a stick. Opinions?

So I've just about decided on the mustang at this point and here is what I would want. 2018-2020 GT Premium Convertible with a 6 speed and the digital dash package. I can buy a new 2019 for around $42k (sticker $50-$51k) with 0% for 36 months or a used 2018+ for low to mid $30's. I have the cash but I'm pretty sure I could get 2.49% financing on a used one. The depreciation curve on these things is steep so I'm leining towards a used one with less than 10k miles and lots of warranty left. Decisions decisions....