You are correct about many cars with MSRP being much higher that will wind up costing less.Unfortunately I can name almost ten other luxury cars that are almost $20,000 dollars more that have payment options much lower than what Ford has currently. I picked the MachE and not those other options for a reason. It's not over yet!
That indicates to me at least, that with time, the market will stabilize and the cost of the MME will come down.
If you can wait, I would.