Putting it another way: Would you or could you buy a new car without the PIP money?
Personally yes and yes (the bit about PIP being irrelevent for us on WPMS)!
Whether one chooses to go down the purchase/lease/second-hand route or go with the Motability scheme is a matter of personal choice. Obviously this takes into account affordability, possible access to finance, whether one wants a complete ‘package’ (like Motability) or are willing to source their own motoring solutions (vehicle, insurance, servicing/repairs etc).
There isn’t a ‘one size fits all’ solution. There are swings and roundabouts whatever route one chooses to go down, but it is upto the individual to make the choice (as it should be).