I have a 2019 TH, with the V6 of similar mileage and love it. Very smooth SUV. Most of the major problems were the early years and the 2019 as a redesign has a lot of nice enhancements.
Amazing there are still cry baby Tearolator and Ripolator fan boys on this site. Great thread showing examples of the trash this company has been producing over the years. Enough excuses.
I recently signed up for this. It required an in person visit to the post office for identity verificatiin. Apparently with all the Equifax hack this is another way to protect your identity as someone could sign up for this service for your address. Once you sign up for your address it is locked...
Here is the Boglehead wiki on the subject.
https://www.bogleheads.org/wiki/Collective_Investment_Trusts
There are really no downsides. The oversight and applicable laws are just different. Some different reporting requirements and such but as they are mostly used in 401k's this really is a...
So far so good. Used Uber 4 or 5 times without issue. Last one I tried the pooled Uber to SFO because I wasn't in a rush. Added 5 min and saved some good money.