Its a private PCP not business.
If I keep my current car its going to cost me £15150 to by it then £500 for 3rd yr service including auto
g/box oil change and 1st mot and 4 tyres. Plus no warranty. The new one costs about the same for the next 3 yes.
If I kept the old one and nothing goes wrong I might have a car worth about £5k less any repairs, and servicing.
So in 3 yes time I either do the whole PCP again, or buy a banger as I'll be 65 then and have my bus pass
I agree that a new car would make sense from your point of view. I just feel that the PCP you've been offered is not competitive against leasing. You should be able to find a personal lease deal similar to the business deals I've linked +VAT.