I looked at this from the viewpoint of mileage, if I was doing very few miles over the term of the lease then it would be better to buy & keep a vehicle long term (20 years perhaps, like my dad has always done). For those of us who do around 15k miles per year though it can make more sense to lease.
Add to this the problem of cars degrading because they have plastic light covers, electronics that date quickly, etc., and anything other than a very basic car doesn’t make sense for long term ownership. My son has my 1997 Peugeot 306 LXDT for instance, he complains that it doesn’t even have bluetooth or a satnav (remember we could read maps in 1997 and phones could be dangerously held in your hand whilst driving).
The advantage of the Motability package is that everything is included except the fuel so that’s peace of mind, and when you’re disabled that peace of mind is worth something.