Yeah...that does shade me out. I know that for my personal coverage, I make big purchases w/ the CC because I can often get insurance on the goods in case of damage/loss/theft. For something that expensive, I'd CC it just to cover myself.
Oh yeah...not all plastic will garner you a huge interest charge. American Express charge (NOT credit) cards charge no interest, but you have to pay the bill in its entirety each month. That just shades me out, reminds me of drug dealers (or people who carry around stacks of ones in an attempt to look as if they're slinging a wad).