I'd go for a little from column A and a little from column B; that way if things go tits up financially for you or you get bored of the toy at any point in the future, providing you went for a decent/equal split between the payment options to start with, your toy should be worth more than is outstanding on the loan.

So you can sell it, pay off the remaining loan to remove the monthly loan payments going forward and concentrate on getting back on a level playing field again.


Cheers,
Grant