Welcome to the forum. This is our first Dodge as well - Our GM loyality has came to an end.
I have to agree with Redman - new is the way to go but once you start adding packages, that $21,300 can quickly become $30,000+++ so...
Option #3
Understanding that you would like to keep payments to a minimum, your option #3 sounds like the way to go. You get everything the RT offers (Rims, Leather, Heated Seats, etc) just add the sunroof.
Adding the 8.4 with Nav to a used DJ will run you upwards of $1500.00 installed. Adding a sunroof can run from $400.00 (cheap) up to $1500.00 for one that will operate like factory installed. Adding the backup camera will run around $800.00 installed. Lots to think about eh?
Good luck.
