@BionicRusty the investment over 3 years is now over £9,500 in allowance plus the AP + extras, for me personally that has taken it to over £12,200 paid out over the 3 years with absolutely nothing to show in the way of equity at the end and to have to spring another 2.5-3+ grand advance payment and possibly a lot more with having to add packs to get the things you need on a car these days just doesn’t make financial sense any more.
Better to spend that £12k+ on a good used purchase or lease purchase of nearly new, at least at the end of 3 years because you didn’t buy new you wouldn’t have suffered the initial depreciation and would still have a large percentage of your initial investment to put towards another car.