I don't get more than 2 years out of a machine, and have better things to do with my life & money than worry about whether I'm in debt on a sled.
If you can't do better than 6.9% on your cash, you're not putting it in the right places imo.
Right now we're in a time of great opportunity, if you think the best thing to do with your $$ is put it in a sled... you're not a smart as you think you are.
I financed my sled, and will do it again. Unless I can no longer invest my money in a way that beats the rate of financing, I'll continue to do so.