I had planned to just pay the selttlement figure at the end of the current PCP, it was reasonable since we have a high annual mileage allowance (18k a year).
The 'but' for me is the 1.0 turbo engine, I'm not sure how that will be longer term on an older/higher mileage car. Whereas the new hybrid uses the older 1.6 non-turbo 4-cyl engine. Less power from the engine, and the electric part gives a bit more power overall than the old one. I'd be happier keeping that engine long term, the mpg is meant to be better, plus auto-ish gearbox should help my wife with hip joint problems.
In short, I'm using the PCP as a cheapish loan with options.