Welcome to TM Simon.
I suppose a lot depends on how much time you might want to spend under it or in it! I bought by 4/4/ Sport (2011) at 18 months old as there wasn't a lot of difference in price for that than a 10-12 year old 4/4 with more mileage on it and potentially requiring more work.
With having my own business time is precious and I want to get out in it an drive it rather than having to continually maintain it. Others on here might have a different opinion on that but it's worked well for me. I can't comment on the Morgan finance as I didn't use that.
Good luck with the hunt. As we've all found out it's the car that chooses you not you choose the car!
