As the most debt averse person here… let me chime in.
The payment doesn’t effect your lifestyle now – but what about when you retire? Or do you plan to work the full 20 years into the future?
Once that debt is resigned – you can cashflow the $320/month into other investments, dollar cost averaging. Pick an investment – equities, gold, big heavy things to haul up and down your driveway?
But I think I’m atypical for most of piggington. My goal is to get 100% debt free. (Less than a year till the mortgage is paid in full – and looking at lumpsumming it now.) I’m looking at the freedom of not having to service the debt… that’s huge to me – and frees up my income for other investing.