@Kez, Everything comes at a cost and we sign up to the scheme knowing that over a 5 year period we will pay motability £16k of our benefit money.
Some people get enhanced rates of PIP for a fixed period of 3/4/5/+ years and don’t know what rate if any, they will be judged on next time they apply. If the DWP suddenly stops a persons PIP money or reviews it at anytime, motability will take the lease car back.
The alternative is to buy new or second hand but any 5 year plan you take out, has to be costed and paid for same as motability. You are then stuck for the next 5 years paying a monthly finance bill for a car regardless of it’s reliability factor, warranty clauses or reduced/zero DWP benefit.
Some people (not me) pay Virgin or Sky an average of £100 a month for their full package which is about £6000+ over 5 years. In return they get a rolling contract at increased prices unless they threaten to leave by giving a months notice, together with the worst possible customer service ever. Yet people still sign up and agree to their terms. As you rightly say, all things considered “Whats good for one may not be for another”