Soldato
Objectively, it makes much more sense to get 0% finance and spread the payments if you have a stable income. It's less financial impact in one hit with zero interest. Win.
For me personally it would lose the impact of how much an item is if I spread the cost. A sort of disconnect so to speak. Doing it my way makes me question its worth more and saves me from making rash decisions.
For example my methods saved me from buying a 2080ti as I scrutinised the purchase decision very carefully and it showed it just didn't offer the performance uplift I'd want for such a large increase in price over its predecessor.
I hate paying for things over long term because a stable income is never ever guaranteed. It's why I only really have a mortgage and no other debt so to speak. And even then I always make sure I have 6 to 12 months worth saved to cover bills at any one time.