I feel that the scheme is indeed a ‘no brainer’ for quite a large percentage of Motability customers. The reason is peoples financial situation. An awful lot of people would bot be able to obtain the credit to enable them to buy a car. Many people have given up jobs to care for people and as a result have no/little regular income. On the scheme there are no credit checks, just the ability to chose a brand new car. A car which is often needed for essential travel. For these people the scheme will always be an amazing part of their lives regardless of AP costs, spec levels, waiting times etc etc.
For all of those in the positions that you describe then I completely agree that Motability is indeed a no brainer and invaluable.