I don’t think you can really predict depreciation as something is only worth what someone is willing to pay.
Depending on how the car is financed, leased or paid for will determine whether a buyer is bothered about depreciation, most people don’t care about depreciation as they chop it in after the term is finished and start again don’t they?
The MPG you quote isn’t as bad as what I was expecting you to say to be fair.
What mpg do you get on your commute?
I care about depreciation because I buy my cars with my own hard earned. PCP is not the be all but i assume depreciation is taken into account for GFV.
You can only really go on what has happened in the past. I look at the real world asking price of 3/5 year old cars and work back from there.
3 year old S3 worth about £5k more than comparable 184