Good thing what I actually said was
Paying anything you can up front saves you several times over in the long run.
My point was that the advice was terrible. Not that there are other circumstances that could make it useful. Overall, as a general rule you shouldn’t want to just hold onto debt for no reason if you have means to pay it down. It’s also why I specifically showed 10% as well rather than just the typical 20% downpayment, it furthers my point that
you’re so much better off if you put as much into the down payment as you can.
“As much […] as you can” And not just some 20% or whatever magic number.
Every network manufacturer has had some CVE for something.