Leasing, in effect, can become a discrete method of discounting sticker prices. It is a common practice among luxury car brands. The same technique, in reverse, can get you to buy a more expensive car than you would ordinarily buy and pay a relatively high interest rate for the privilege. Unless that is demonstrated, however, I think a direct purchase is the better course. If you own a car for four or five years your average depreciation expense will be lower, assuming average mileage.
Depreciation is the largest single cost of owning a car.
The stock at one point was as high as 60 and is now down to 48. Although your SBC shares have treated you very well in the past, you're right in feeling you have too much exposure for someone about to retire. One thing you could do is take money from there and put it in the international fund. In addition, you might as well eliminate the asset allocation fund because it isn't large enough to have a meaningful impact on your account. This would reduce risk without great impact on long term return.