all of that makes up the bulk of the cost of the car.
Right, and by stealing that car, you take away the item that they created so that it cannot be sold to anyone. By downloading a piece of software, you have not taken away their ability to sell their product to others.
Alright, so even ignore the per-car manufacturing costs then. The bulk of the cost of making each car is still the design and manufacturing infrastructure. Stealing one of their cars doesn't prevent them from selling the ones that didn't get stolen (except to the people who are driving the stolen ones, of course...)
It's all irrelevant, though. A software product is not the media it comes on; it's not the box it gets shipped in. The product that is on sale is the program and data that runs on your computer. The media is simply the way in which it gets there. If you steal the software, you're stealing the product, and despite the fact that people seem to justify it to themselves because there is no tangible physical object involved, and they can do it from the comfort of their own home, it is
exactly the same as stealing a car, or shoplifting. You are illegally taking something which you have no right to take; it's that simple.
If someone makes a product,
they decide the terms of sale. You might not like the terms, but that doesn't give you any rights to change them. You certainly have the right to not give that shop/company/person your business in protest, but you do not have the right to take their product on your terms.