We have both our DD cars on pcp, always used to be a cash buyer and its tempting when there is so little return on savings but the sweeteners with pcp can be pretty attractive ie 0% apr, free servicing etc
We tend to keep our daily drivers 5 or 6 years , what the car is worth at the end of 3 years is pointless its the same as any finance deal , ie what is the cost of credit ?
If you buy a car with a HP loan , with cash or with pcp it will be worth the same after three years