You miht as well just rent one.
1) I get a 40% discount on new because I'm self employed. (so a 40k vehicle for 24k). The discount absorbs much of the depreciation over 5 years, depending on mileage, condition etc.
2) "Revolved" once I'm trading in a 5 year old vehicle so the payments for the next cycle are half or less (roughly 24k minus value of old vehicle / 60 + interest).
3) With renting the monthly cost goes up with inflation (or whatever the rental co' decide), with lease-buy its eroded by inflation and its a fixed (predictable) payment.
4) Its hard to rent a suitable vehicle (One that carries nine people and nine bikes with no trailer needed).