Even though the variety of choice is worryingly shrinking. I can still find a few cars that suit my needs. Almost all the good stuff (3 Series, Giulia, etc) is gone. But I still use Motability. It is a splendid, helpful scheme. Not least because it is “all-inclusive”. The thought of having to contact hordes of phoneline box-tickers for insurance, tyres, tax, AA/RAC etc. fills me with horror. I do not exaggerate. I would find that really traumatic and am eternally grateful to Motability which does it all for me.
Have looked at the private option in the past. Could not find any of them offering similar service AND being over 70 years old, there are a whole range of other traumatic contacts to go through!