Should I buy a MYP or MYLR

TLDR I have a 2020 4Runner I bought for 31k off Carvana in 2020 with 10k miles

They’re offering me 30k for it

I could buy a MYP for 9k out of pocket or a MYLR for 3-4k out of pocket

Is it crazy I can get a brand new vehicle for roughly the same cost as my 5 year old vehicle with 70k miles?!