Buying a private-party 2025 MY LR RWD w/ 12k miles — PPI needed, or does warranty cover it? Also, is $37,250 fair?

Bay Area. Buying from a private seller, closing in the next week or two. The car: 2025 Model Y Long Range RWD, pre-Juniper, Fremont-built, 12,000 miles, HW4, black interior. Shows ~305 mi at 100% (measured from 64 mi at 21%). Clean Carfax — one owner, no accidents, no damage, no title brands. Basic warranty runs to roughly Dec 2028 with ~38k miles left. Battery/drive unit covered 8yr/120k. Price: seller started at $37,895, came down to $37,250. Carvana offered them $36,000. Carfax retail value shows $34,760. Financing wrinkle: it’s a personal lease with a lien held by Chase. I bank with Chase and they’ve said they can handle it directly. Still…

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