$700/mo for a GT?!? What the heck? My payments are under $300/mo and I put NO money down when I bought the dang thing, and insurance totals about $100/mo... So, that's $400/mo...
I mean, $700/mo????? I suppose if you spend a LOT of money in gasoline and upkeep and you're including that into your figure, I can understand a little better. But still.
I won't bash the xB because I have never ridden or driven one but I dunno. I definitely don't care for its looks. If I were forced into your situation definitely, the xA or Scion tC would've been my first two choices. But, that being said, my wife and I are both Soldiers with no kids... So our monthly income vs. monthly expenditures is probably a smidge better than most.
*shrug*
The reason there are so many cars in existence is proof positive of the old adage; "Different strokes for different folks."