In the 3 years we own it will have cost £7500, on PCP.

Do you actually own a car on PCP or just rent it monthly?

Also , Are these PCP plans priced on really low annual milage use, some being as low as 7,000 miles a year. Thats not alot of miles.

Not sure if thats cheap motoring or not. I guess one has to weigh up the cost V reliabilty V repair bills , and add a value for kudos.

And its not just £7k – with the RYA discount we are now talking £11.2. Having done those maths I’m strugging to see past it. A £31k car for £20k via PCP at 6% seems perfect for our circumstance.

Are you sure you can stack those discounts???
If so and I was in your position I’d go for it. A quick look on Autotrader shows 15reg with 30k on the clock going for £22k (I also like XC60s). You’re unlikely to get any kind of discount on the new model for ages. Buying new never really makes financial sense, but that’s not really the point. If you want it, get it.

😆 😆 😆