Problem with a $200,000 mortgage is that the principal ends up being about double the loan's price with a 30 year fixed, opposed to $95,000 extra for the 15 year, so I figured I'd just buck up and keep on a tight budget now so I'm better off down the road.

The same could be said with the car loan. Typical is a 5 year loan, but I did mine in 3 to get it off my back and save on the principal interest.