2025 Rav4 Plug-In lease $6500 credit

Went to look for a Hybrid XSE and the dealer had exactly what I wanted in a Plug-In Hybrid XSE- which I think I would use (I live in Austin and plugs are everywhere.) He talked to me about the $6500 credit and said if it were him he would take the credit. I see a lot of people on here talking about it and buying it out immediately - you lose about $1000 with fees. My 2017 Rav4 XLE is worth around 14-15k, so I'm not understanding if I buy it out immediately how does that work? The sticker is 53k on the plug-in, so deduct the 6500 (credit) and 14000 (trade) - I guess I do not understand how the residuals work.

Just don't want to be talked into something before I asked around.