That AP suggestion does seem logical as does your reasoning behind it.
On a side note, a friend who works at Alfa Romeo as a salesperson has hinted that an entry level, RWD Stelvio might join the scheme with a £3750 – £4000 AP.
Motability cars:
2015 RR Evoque AWD 2.0 TD4 SE Tech - written off
2017 Toyota CH-R 1.2T Dynamic CVT AWD - written off
2019 BMW X2 2.0L Sport
2023 Nissan Qashqai e-Power N-Connecta