A Nissan Leaf has a 600 pound saving a year vs a Note diesel over 10k miles. You would need to keep your electric car an awfully long time for you to say you actually saving money.
You’re right of course, when I worked up the figures of my e-2008 against the fossil 2008, I’d save £2,100 on fuel cost vs electric cost (allowing 15p kWh although I usually charge cheaper), so the e-2008 had to be under £2,100 cheaper than the fossil & at the time the difference was £1,800.
However, I’m doing way more miles in the EV than I did in my previous fossil because of that fuel price difference & don’t worry about popping down the coast for the afternoon (not during lockdown), or popping over to my sister’s for a chat & a meal (allowed during lockdown using a “bubble” but I haven’t).
So, if an EV works out cheaper on Motability than the fossil, AND you’re not doing very long journeys all the time, AND you can charge at home, you might as well go for the EV. Long journeys are possible with an EV, you just have to plan for all the charging stops and it takes a while to learn which chargers & why (Instavolt with more than 1 charger at the site is most reliable, then any other multiple charger site except Ecotricty where they will all be out of service).
As for the Leaf 40, most new rapid chargers at CCS so no use as the car uses CHAdeMO. (CCS has become the European standard for rapid chargers and CHAdeMO isn’t always supported by new rapid installations (Ionity are CCS only)).