This is what I did. I went with dealer financing with Cap One during pickup and I'm actively refinancing with Parsons. I signed the paperwork today and I was able to catch the 2.79% rate. Only thing I accidentally wasted was GAP insurance which is oh well.
I test drove the Pro at the dealer and noticed the lack of seat height adjustments which left me in a weird position. My Lariat has all the adjustments needed. I'm only 5'10" but still like to be able to adjust the height. It should be standard on every car imo.
I'm a bit confused because I picked my Lariat up 2 days ago and I believe I have phone as a key? I set it up at the dealer and I can start/stop the car from my phone and can actually drive around with my phone + passcode.
Update. My truck is at the dealer TODAY. I'm working on financing and stuff now. I like how useless the Ford tracking stuff is and it will cost me some interest in the end because I don't have the cheapest credit union lined up.