The easier option is not automatically the cheaper one.

Ease at the point of decision often means expense later, and the total is easy to miss because the payments are spread out. The harder option frequently costs less overall, though it costs more right now, which is the only moment your feelings are consulting.

Compare options on their total cost rather than on how they feel to start. Ask what each one requires over a year. The easy path is sometimes genuinely cheaper, but it should have to prove it.