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If it’s depreciation, then buy the more special models such as S4 or AMG 43, they hold their value better, they are not just seen as another M Sport, plus options rarely hold their value, so buying a model which has all the options you want as std also helps IMO ie it maybe beneficial to move up a class of car if you like lots of options, a 5 will come with more as STD than a 3
Every time I have run PCP for 20/30k per year it does work out better to do HP and sell the car after
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