For me, it would be a run down to the local second hand car sales and get a car for sub 1k (which is what I did before Motability) and just put up with the difficulties getting in and out and length of journey – did it before, can do it again although the thought of going back to that very restricted (and painful) life is not nice. The mobility element would then very much cover the fuel, insurance and tax month to month with enough left in the tank for MOT and other bits.
I wouldn’t be able to get a loan, finance etc due to my income although the bank of mum would probably help initially and be paid back on affordable terms.