Apart from my first car - second hand Fiat Punto, I’ve always bought new. My job demands long miles all year so I need something reliable and comfortable. Zero interest (or ability!) to fix anything going wrong on an older car and ‘happy‘ to offer x amount per month to BMW financial services and the remainder goes into a pot to refinance after 4 years. So, 118d - 330d - 335d - to current M2 Comp. Yes, there’s depreciation and I think if you go in with your eyes open - or at least that the salesperson will turn a profit, you get what you want, then for me PCP works. But ETTO