After many issues with my 2020 M3 AWD I got offered an exchange to swap it for a 2023 Model Y AWD for an extra £15 a month…fair to say I took that deal. I didn’t realise how much o

As someone who’s drove the older models, 2023 is where it went uphill for me

Wouldn’t have hesitated. Good for you.

Not sure what the cost per month has anything to do with it. I am to assume you had paid off and had some equity in your car and now started over with a slightly higher payment.