I forgot to mention that, due to the lockdowns and us both being clinically vulnerable – wife extremely clinically vulnerable – we’ve hardly had any use of the car. 3,500 miles in almost 3 years! That’s almost £1/mile + petrol, given the AP. So that’s another reason to extend – so we can feel we’ve used it.
Quite understandable that you would want to extend. What is wrong is that you will pay a further £6,500 for the privilege. Give the savings that Motability make with lease extensions (most notably no capital outlay on a new car) I feel that they should be at 50% of the sacrificed benefits, not 100%.