However, from the list, the lack of a spare ?
When I got my previous car on the scheme it came with a can of goo.
I went to the local scrap yard and got a brand new (unused) full sized tyre and rim together with the packing’ piece that stops it rattling in the wheel-well from a rather poorly version of my car. All for £90.
When the car went back, I took the still unused tyre/rim and cut out thingy back to the scrappy and sold it back for £80.
I didn’t consider paying £10 for 3 years availability of a spare tyre too excessive.
Dave