On top of the numbers @kezo posted, I think your AP could also play a part.
I was looking on the PC for suggestions for you, so was looking at rates and APs for WPMS then, a few days later I was looking for myself but forgot my last search was different. I couldn’t believe that APs had dropped by around £1,400-1,500 on the higher APs, for example the EV5 GT Line S should have been £6,999 but was around the £5,500 mark. When you take into account the non-inflationary factor in your payments, I think the opening statement doesn’t always run true. Admittedly, so see the benefit, you’d need to be willing to spend a few thousand every 3 years, which I fully acknowledge isn’t everyone’s idea of sensible or affordable.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark