Speaking as a highly delighted 22MY Plus Four owner, I would say the decision to spend that amount on a Morgan and not for instance a Porsche is driven totally by desire and a sense of why not be different. It’s not really about any calculation of value for money etc comparing one model with another. Having made that decision, definitely go for the 22MY and just have which ever you fancy. Don’t over think it. For me the CX Plus Four gives much better access and comfort with tremendous all round performance. I looked at the extra financial outlay partially as an investment, given I will get some of the extra bunce back when I eventually sell it. I also regarded the cost as being 40% less than list price, as it avoids later IHT!
