chrisdiesels more your man but I’ve owned two Citroens back to back. One 07 Xsara Picasso and a 12plate C1 (strictly speaking not PSA’s totally).
I drove the XP from Manchester to Brugges and France and back in August. I never had break down cover on it and didn’t plan on either. Same with the C1 which I didn’t treat very well (hit its rev limiter numerous times).
All companies now use the same suppliers for parts in their build- even engines. The 1.6PSA is in many different marques.
People tend to **** up as they don’t service/cut corners on maintenance then complain the car isn’t reliable. Of course there are exceptions but if you are diligent why would it fail? (i,e the 1.6diesel engine- if its been changed religiously how it should be its a good engine).
I’d trust a Citroen.