Even with the high APs it still does work out cheaper than buying privately with all the added costs including insurance etc.
I don’t know if you read my post earlier (it’s not compulsory 😉) but factually that’s not correct. There are circumstances when it can be cheaper to run a car privately than through Motability, and sometimes a lot cheaper. However, as I also said in that post, my examples were petrol cars, and if I was in the market for a BEV, as you are, then I would go down the Motability route every day of the week. BEVs are a minefield for private buyers and the risks are huge (not least depreciation) and the certainty of costs with Motability are priceless (plus, of course, the free home charger).