Sure, but how many people have actually handed it back (paid the excess mileage fee, etc.)? I'm sure you traded it in as a P/X?
Point being, it is irrelevant how your financed it (cash, PCP, HP, personal loan), you would have traded it in for the exact same value. So the only difference is the cost of the finance itself.
Typically you can save about £2/3k in interest by going with a decent loan or HP over a PCP. Dealers provide good rates on PCP and rubbish rates on HP, because PCP makes them more money, even at a lower rate. So if you can afford the higher monthly cost, you will benefit from a lower total cost over the term.
People discuss PCP as being great because it shields them from massive unexpected depreciation, but the reality is most people trade up before the end of the term, rendering the GFV pointless. Also, if Audi do offer them a rubbish trade in, they look at other ways of trading/selling it to maximise their return. I have hardly seen any examples of people just handing it back like a lease...? Maybe I'm mistaken though?