You cannot compare the two owning or leasing a car as imo they 2 totally different options.
One you own the car or will if you pay off any HP Outstanding at the end of the term or the other leasing, Which is hiring the car over a long term and you don’t own it. At the end of the 3 years lease you could buy it, but imo why would I, after all i treat it like a car i hire and the poor soul who owns it after me is gonna suffer and that ain’t me, you get me.. been there done that…. Thats why the scheme is so great it gives us the reliability for a set amount no worries and no hassle. Not much goes wrong in the 1st 3 years
You’d be able to afford just using your pip or dla to buy an older than 3 years old of any decent car you’d could get on the scheme and some modern cars to do certain services or jobs need the engine removing or the whole front end taking apart and can cost alot in labour. So for me the scheme is a great option for me.
It’s not perfect but it is what it is..