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@Invent
Just agreed to buy one used. £400. Save £224 compared to bike scheme. Get to own it outright so no uncertainty over future law changes or whatever. It is about 20 years old but in good condition and should be fine.
I was apprehensive about the whole rent the bike on Cyclescheme to be fair. I like hacking and upgrading my bikes and felt a bit awkward about doing it on one I technically don't own yet.