You've hit the nail exactly on the head. Do not EVER, EVER again get into a CAR FLEASE. No matter how they try to tell you "how smart you are" or "how much cheaper it is" (it ISN'T. Its a FLEASE), don't ever do it.
A FLEASE is LOADED with BOGUS FEES both front end and back end. Not only that, often times you will be charged for what they consider "excess wear and tear"...in other words, you'll be turning in a used car which will have normal wear items. They will charge you $500-$3000 and tell you that's how much it will cost to get the car ready for the used car lot. In reality, they will keep the money, DO ZERO REPAIRS and send the car to the auction AS IS.
In addition, your insurance is higher than in a "buy" and you will be paying for non-covered items in the warranty...EVEN THOUGH...you don't own the car! That would be like you paying for a tire which goes bad on MY car!
I can go on and on. But suffice to know, its a FLEASE. No reputable family or personal financial advisor has ever recommended getting into a FLEASE. Its a bad, very bad deal!!!