Vinalspin I cant see charging for metallic paint is a con on disabled folk, it is not a necessity, it just a paint finish and at the end of the day it Motability who gain from it at the end of the lease.
However it a shame they have not carried that deal over to the XC40 T3 design auto a saving of £799 of the £1299 AP would have been a benefit to disabled folk.
Unfortunately I have suffered a brain injury and occasionally I get confused and often say the wrong thing.