I can’t speak to your lease. But zero percent is zero percent. Nothing here to overthink. Unless you have credible inside information, how Subaru is managing this etc is anyone’s guess. If you can pay cash maybe you’ll get a lower price. Try it. If you can’t or don’t want to, negotiate the best deal you can and finance at zero interest. Me? If they’re giving me a free loan I’d rather keep my cash and make more if it than put down cash for the car.