Regarding alternate leasing/ pcp etc I have posted before but my daughter just took delivery of a Mini Cooper s via pcp and to get the repayments down to under £250 a month she had to put £5k down, this is for 4 years at 10k mikes a year.
she did add a glass roof and upgraded hifi/ Nav.
But add on insurance, servicing, tyres, not break down as that’s included for 3 years. It still adds up to way more than I pay on the scheme and my AP was the equivalent of I think £1,700 as I had a px in the deal.