Full payment for a Song LDMi or financing for an Xpeng M7?

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For daily commutes to work for 40 km (driving myself), occasionally going around the city in a radius of ten kilometers with kids and wife, and occasionally going on trips with my family during holidays.
Currently, the NLDiMi is able to be fully funded with 16.58 yuan. The steering wheel feels very light, the suspension is soft, other aspects are satisfied, especially the fuel consumption is really low.
32.98 yuan new asking M7 Pro, no pressure on installment, but quality of life will be affected to some extent. Except for smart driving, compared to the same level of fuel consumption, interior design, it's too expensive.
I'm a man who is small at age 40.
My current inner thoughts, BYD is also a little more than 20 yuan. Although money spent doesn't seem much, this car drives out seems to have lost something.
I decided to go to ask me about it (though this age mouth says not arrogant, but inside outside still want to face). I am sure that after this new car heat period, I will regret my impulse.
My wife has the same idea as me. Please help to rationally analyze.