Do you NEED a new car or do you WANT a new car? 🤔 Do you need 2 cars?
Difficult one only you can decide… your current car is paid for and doing what you need of it so do you get rid of it now when you’ll get the most money for it or keep it until whenever you need/want to change? If you keep it then the PIP will cover the running costs & probably fuel too & maybe even still be able to put some away to save up for your next car.
If you’re happy with the Picanto then keep it and use the money for something else or search the cars available and pick one you fancy… luxury car, SUV, van, electric, convertible 🤷♂️
Also you don’t need to order a car right now, you can patiently wait and watch the Motability list until one appears you like the look of 🤞