[Kiety]

1) gas, insurance, winter tires + cost to change them out if you don't do them yourself -- that's about it, there's not much else in a lease since almost everything else is covered, from maintenence to (yes wear and tear items are currently included until june 30th? if I remember correctly)

2) Don't get the wheel + tire warranty, expensive and chances are you'll never use it. Unless you are very paranoid or live in a neighborhood with potholes everywhere.

3) I'm in Vancouver so I don't know how the insurance in Toronto is, but if you aren't the primary driver and end up in an accident, the insurance company may hold you liable for the entire amount claimed. Since legally, if you are driving the car the most you have to be listed as primary driver, and your premium would be higher.