The only realistic answer is to do the numbers for yourself.
You’re looking at a financed car with service schedule pre-paid plus insurance. You’ll be limited on insurance companies, especially if your only driving/insurance history is on the scheme, as some won’t consider driving experience on a company/scheme car as an alternative to the ncb, even if you’ve gone 20 years or more claim free.
The reality is that most quoted offers will be for low mileage and increasing to near Motability levels could well prove expensive, only getting a personalised quote will add clarity.
One upside is you get a wider choice, as long as they’re offering 0%. Don’t forget to register the car as your disability vehicle for RFL otherwise you’ll get clobbered for a fortune under the new rates.
I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.
Mark