After keeping up with your endeavour of finding your next vehicle and reading the comprehensive review of the test drive I still maintain buying a 6 month old approved used X1 would be the best scenario for your situation, being able to remain on the scheme at the detriment of multiple factors just doesn’t make sense at all!
I’ve been off the scheme for 2 1/2 years now and whilst I have had to keep up with the maintenance of my car myself I am enjoying driving more as I have been able to make adaptions/modifications to my car that are a benefit to me that are not allowed on the scheme.
After paying for the car I now use the PIP to save for things I wouldn’t have otherwise considered getting as running a car privately is considerably cheaper in the long run and I’m now looking to swap again after 2 years with the current car I’ll be looking to just get a newer version and the cost to swap is nowhere near 3 years lease + AP!