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If you have two cars and the Camry is your main car the FRS should not be too bad insurance wise. Multi car discount with the FRS as a weekend summer car.
As far as the Dave stuff he is a little extreme but in a situation like this I really have a hard time recommending you take on debit when you obviously don't need to. If you want to build credit then save the entire amount take the loan and only keep it 6-8 months. Huge bump in credit to pay off auto loan early and you will need credit for a home loan.
And you should be starting to invest if your not already. OP sounds smart so he might be. Dave's plan is extreme but the basic principles are solid.
Good luck!
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