I tried getting "close to free" EV on the electric car scheme and considering take home pay cut, all in all, I'm better off buying WITHOUT the scheme, on pcp.

I tried getting "close to free" EV on the electric car scheme and considering take home pay cut, all in all, I'm better off buying WITHOUT the scheme, on pcp. The reasons are: - the provider is absolutely bonkers, and employing idiots, offering as "in stock" car models twice since updated or discontinued - the provider is offering the cars at the very steep price, entirely eating the tax advantage - on top of that id have to pay BIK tax - and lastly I'd have no choice of choosing the insurance provider, which results in any damage covered by me not covered, and the company itself having absolutely atrocious reviews (ex customers claiming they've been "fined" for the normal wear and tear (eg tiny windscreen chips))