@mitch 5 years is a long time and even if I bought out a car I would definitely change it after 5 and so do a lot of people. Customers that aren’t opting in for Merc/Audi/BMW always mention their badge but that alone gives the car a level of acknowledgement and appreciation than a Kia/Renault.
But beyond the badge the difference is the drive, quality, reliability and sustainability. When it comes to interior build, impressive technology, 4K display quality and smoothness, more aggressive exterior design and premium materials used for the panels etc. Everyone has their preference but for many this is the only chance they get to have such cars by affording it through the scheme.