DAE get stuck in a mental loop over whether to pay cash or finance something, even when you have the money?

I've got $40k saved up for a used car. But now I'm looking at a $30k one and thinking about financing part of it just to keep the cash in my offset account.

I know the math. Offset saves me 6%. Car loan costs me 8-9%. So technically I'm losing. But my brain goes: "what if I need that cash forsomething urgent and I've sunk it all into a depreciating asset?"

I've spent like 3 weeks going back and forth. One day I'm like "just pay cash and be done with it". Next day I'm like "but the safety net though".

I do this with everything actually. Standing in the aisle debating if the $6 pasta is worth $2 more than the $4 pasta. It's exhausting.

Anyone else get stuck in these decision loops over money, or is my brain just broken?