I bet it wouldn't. Factor in all of the parts necessary to put a GT on par or ahead of a Cobra in all aspects, then on top of that all of the cost for time and labor involved in bringing it all together and I'll bet a higher car payment and slightly higher insurance premium is still a lot cheaper in the long run. Most just don't notice it when building up their GT, because it’s done in small increments over a long period of time. I think most of us choose to go that route because for an obvious one, we don't have the kind of cake to lay down right away on the better car and two, we all get a bit of a sense of accomplishment when we build up our cars step by step, instead of buying it as a turn key package.