didin't read eveyrthing but i've thought about this for a good amount of time.
My conclusion - it depends on your situtation.
Personally, i would never pay cash. it doesn't make sense unless ur a complete ballaholic that can pay the house in cash in 1 month.
But if your like 99% of people, who might still make good incomes 100, 150, 200, 250k+ per year, just fucking pay a mortgage.
You always want to leverage ur cash IMO, so if you can afford a 250k house in cash, then that means u can put a downpayment on a house worth 1.2 mil assuming you can afford the payments.
Buying in cash is throwing away money IMO, unless u can make that back in a month or so.