Need expert advice

Planning to buy xpander gls 2026 guys. SRP was around 1.2mil

Now they offered me to use RCBC kasi daw may 20k discount sa dp. Instead of 42k, magiging 22k nalang ang dp. And monthly is around 27k-29k rough estimate including na don yung comprehensive insurance. Then may free 40k gas, 2 yeara pms and LTO. I need guidance since this is my first major personal transaction as a young adult. Thanks in advance!