The Golf is Contract hire, and such a great deal it was to good to refuse. 24 month deal 2k down 23 months at £97+vat of which I can claim half of the VAT back it's a GT so loads of extra kit
I do not drive into cities we always catch the train. Buying modern diesels holds no fear for me, look at my other car Discovery 4
One reason for having the Golf is so I do not have to use the Disco every day and pile on the miles, the wife can do the shops in the Disco After all selling a Discovery and it not having silly mileage makes it a lot more desirable.