Edit: removed rant about penny pinching when I realized you actually made an attempt to buy something new.
My step-father-in-law is as stubborn and cheap as they come, but even he has the sense to buy a safe car. He was also t-boned in it recently, by someone even older than he is, and he walked away – which would not have happened without the side curtain airbag.
You can get invoice price, which is a decent (if not great) deal, via email without going into a dealer. Or just buy a 3-year-old Camry and forget about it.