It all depends on the car and the situation for me:
When I leased cars I lived in the burbs and would get a something that I knew wouldn't get nicks and scratches, kept low miles, etc.
When I bought an SUV, I knew it would get some serious use and the interest rates were high so I paid cash.
When I moved to the woods, I knew whatever I bought would get some real abuse so there was zero sense in leasing but the 0% offers were all over the place. I compared the 0% interest with the "cash back", found a dealer which charged $99 over dealer invoice (and they always have for the 15+ years I've known about them), bought a truck and an SUV and put the cash away to earn interest.
Then my son wrecked my truck.
Thankfully I bought gap insurance so everything was covered.
In the couple of years I plan on getting rid of the SUV and buying a full sized truck and a Wrangler. If the 0% offers are still around I'll do that but if not I'll pay cash.
