Two words for you... Whitefish, Montana!
They sell their maintenance loaners with ~500 -1000 miles on them and you save quite a bit (even with the exchange). of course they are all loaded as far as options and automatic transmission. This circumvents the restrictions Subaru puts on US dealerships selling to Canadians. When Deb and I spoke with them last year they were great. Didn't end up buying but we are not in a rush. For warrantee work, you pay and they reimburse.