I/we just don't get PCP, we've always used:
When we have it we spend it on what we want and when we don't have it, well, we don't spend it.
PLUS the ongoing choices post purchase - rather than PCP - remain 100% in our control i.e, I/we can sell it on when 'we' want
As with the our recent ***fabulous*** 2016 AUDI SQ5 purchase: I/we decided to 'go-for-one' on the Sunday afternoon; found 'it' on the Sunday afternoon; went to 'look' on the Tuesday, and within 15-minutes of first sight
PS: not a 2017, 18, or 19 petrol and/or diesel SQ5 mind neither of which excited or provided an attractive place where either of us would like to sit and drive on any journey; that in a nutshell goes for a few other cars, too...
PCP I think is for them that want others to think they havebut don't and if you engage in PCP I doubt you ever will...
That said, enjoy, do and purchase what suits you best...
Bit of a generalisation there John. I personally don’t see the point paying out lump of cash that I would rather keep in my stocks and shares, returning north of 7% (average over last 10 years) and then pay a monthly amount for car (current is under 4%)
Do the maths