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@ChasnotRobert
I can't see how a lease can be so much less than PCP. PCP is supposed to be the opium of the car buying masses.
The big Skoda is costing me £5k a year all in over 4 years, including 4 year warranty and 2 years servicing (ok, so all in except years 3 and 4 service costs).
So yes, could have spent £20k on a nice 2nd hand car instead,and hoped that running costs equalled roughly whatever it's worth 4 years later, but chose to go for low hassle and peace of mind instead.