Probably better off used if you are trying to keep within budget. S-plan pricing for 2023 CX-5 Standard (lowest trim) is $26,869 before taxes and fees. The only time I would say the new at 0% makes sense is you’re financing $20k at >12% interest rate.

Probably wise in looking into lemon law. Always lived by “never buy first year of new vehicle” from any manufacturer. No matter how reliable a manufacturer is, there can always be issues.