Is buying scion xb 2008 for me a good decision? How about insurance, after market maintenance and so on.?

Im in early 30s, this is my first car... here are my preferences, i'm 6ft 2 inches so i want to feel comfortable in the driving seat and so the people sitting in the rear seats, Toyota for reliability, popularity & availability of parts, less maintenance overhead,nice ROI. I need good night visibility, does it comes with HID lights installed? Good range of colors (esp. nautillica metallic blue). Is stick better than automatic (if so why) ? This is mostly for my commute to work everyday (10 miles) and occasional long driving on holidays and weekends ? I'm not looking for any bells & whistles just the base model. The total cost of the car with tax comes $18K+ ... the APR is 6.39% (scion.com) , so by paying more down payment say $12K will i be able to reduce the monthly interest for the rest of the payment (6K) or should i shop around ? I believe you cant negotiate for price with the dealer. Do you have any more suggestions

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