As far as the engine goes, the 370 engine is the same as the '07-'08 HR 350. It is an HR motor, just a little bigger.
Just a piece of advice from an old fart that did it for too many years, get away from putting yourself in the "upside down" state. It will only cause you more stress than you need to deal with.
The excitement that I get from having a fully paid for car is a lot more than having a new shiny car.
