As always agree @Glos Guy with your costings, but and I’m sure you have mentioned before is really down to an individuals finances on what they can do.
Yes, I did say “for those that are able”. One thing that’s always puzzled me though, is that Motability customers can ‘afford’ to voluntarily sacrifice £10k of benefits plus AP over 3 years (or £16k plus AP over 5 years), sums of money that would easily enable them to run a very nice car privately and sometimes (with lower value cars) the same car as their Motability car for less overall cost than through the scheme. After all, that’s what two-thirds of those in receipt of qualifying benefits do (the Motability scheme only attracts one third of those who are eligible to join it). I’m guessing that the problem is that benefits don’t count as income which, if correct, is of course where Motability is a lifeline.