Morning Trevor and welcome to L.O.C.
What was it that encouraged you to buy the Lexus ? It is a question I often put to new Members as the Lexus is significantly different to other marques in many ways. For example it is a marque which will influence one`s driving habits, usually for the better, others often say it is for the relibility factor etc.
You are right to ask the questions you ask. I would not however compare the MG with the ES as they are like Chalk AND Cheese. And I do not think that an average of £33 per month interest free for 5years servicing is expensive.
You got an excellent deal from Lexus when buying the ES and I`m sure that given time you will appreciate the overall excellent deal that is provided by Lexus.
Do enjoy the car and please do contribute to the Forum.