Never pay a markup for a Kia! At the end of the day, it's still a Kia ... A quick search on cars.com identified few vehicles with low miles in the $30k range even before negotiation. Your marked up Kia will worth $18k in 3 years ... believe me it's the reality
Also, if you're not married yet and no kids, why do you need a 3-rows suv
especially you said you may replace it in 3 years.
If you insist on 3-rows, get the new MDX at sticker when it arrive in Feb, or get the previous model for extreme saving. No 3-rows, then the RDX is an excellent choice ... this is just my honest opinion
Good luck
