I think you’ve made a wise decision. All too often, people come on here stating what their requirements are, but then subsequently fall in love with a car that clearly doesn’t meet them. 6 months later they are back enquiring about the early termination process!
Although £3,699 is a lot of money, especially on top of the £12,000 sacrificed benefits, the more expensive cars (retail price wise) on the scheme always represent far better value for money. As well as being a decent sized car, the Kodiak gets great reviews. Personally, I like Skoda’s styling in recent years and their cars come in some eye catching colours, so I’d say it’s a good choice all round.