OK. Just got back from Ira Mazda. Looking like less than $20k with all the incentives and they are interested in giving me a competitive number on the trade.
2004 MazdaSpeed MX5, Red, Cloth
The car is far and above a regular 6 speed Miata and $1000 cheaper for some odd reason. I'm not in love with the red seat inserts, but I bet I can trade for leather with someone on the Miata boards.
Might be doing the deal on Sunday. Wish me luck!!!
And FYI, in MA you don't pay tax on the trade-in or incentives any more. So that saves me about $700 right there.