5 years ago I’d have bought the more expensive one. Now I’d buy the cheaper one. I’m within 2-4 years of early retirement and I’m starting to make decisions more about minimising cost rather than what I can afford. Last July I moved out of a 2019 IS300h Sport and into a 2015 NX300h Luxury. Both had 18k miles. To drive, my NX still feels like a new car and certainly as tight as the IS. You have a choice of two vehicles with only 9k miles difference, which is almost negligible given the quality of these cars, but with a considerable difference in purchase price, which is not negligible. I’ve spent an absolute fortune on cars in the past and whilst I was happy to do that at the time I wouldn’t do it now. You’ll have to ask yourself whether the newer car is worth it to you but given your priorities and wanting to be at about £300 per month, I would have thought the cheaper one would be the best bet. Buy the cheaper one and treat yourself to a private registration plate for £300 - £500 from DVLA and most people will never know you bought the cheaper one? Like you said - decisions decisions decisions 😀 Good luck with whatever you choose 👍