Interesting point MH.... I ran the figures through the VWFS finance calculator - for a 3 door/5 door GTI, both 36 months/10k.
The 10% deposits are (obviously) a little different: 2,658.00 for 3-door, 2,723 on 5-door.
Monthlies are virtually the same at 386.00 (ish)
GFV after 3 years is 12,415 on 3-door and 13,109 on the 5-door.
That makes total paid 29,892 and 30,660 respectively....a higher actual cost (obviously) but because the difference is reflected in GFV - unlike most options, you are sort of insulated from it.
PS - I noticed the calculator has gone back to lowering the payments if you select 5k miles - it was 'stuck' for quite while (which did not make any sense)....