Scenario 1 - save for your Morgan for five years, get the £17K needed (or probably more as the value may increase year on year), get hit by a bus and die miserable knowing you've got a stack of unspent money in the bank and no Morgan.
Scenario 2 - get the £17K on tick, pay the same amount you'd put into savings each month (or possibly less, as the Morgan value may go up more than the 3% interest), get hit by the bus, and die happy knowing you've been driving a Morgan for the last 5 years.
