Am I stupid to sell my rsu for a down payment for a car with 1.99 apr

Working at big tech. My total comp looks like this:

Base closer to 150k

Rsu/stocks: around 20k

Bonused: 15 – 18k

Got a pretty good deal on a used ev that cost around 47k. I have around 36k or 6-8 months worth of saving, but I am planning to sell my rsu to do 25k down payment to keep month payment below 500.

Currently have 14k+ personal investments (not including 401k) in mostly index funds and some tech stocks, and around 30k rsu.

I don't have any major debts. I live in pnw hcol area so monthly expenses are around 6k and currently saving/investing 2k/month after 10% 401k contribution.

Should I not touch the rsu and take the down payment out of my saving? Or should I maybe lower the down payment?

My biggest issue is constant layoffs so I want to keep at least 6 months worth of saving at minimum.