I think this discussion drifted away to changes midway through. The main point in my mind is that with ever increasing AP limiting contract to three years means higher costs to us, the customers. Therefore more people may start looking for opportunities outside the scheme. Especially if you can charge vehicle at home, taking a used EV on PCP with 0% APR is no brainer in my mind (you can consult Dr Google on “0% APR used EV car”).
Indeed, Autotrader, you can buy a Tesla Model3 for 16K or an Ioniq5 for the same with 25k miles. Tesla have more miles.
But they are cheap as chips and little or no servicing. A diesel or petrol car costs a lot more in servicing and mintenance.
I guess more people will jump ship, especially if they want to stick to a petrol car, which are being squeezed out.