I think its the £30k+ outright purchase for me too, and I mean to have that much cash tide up in a car.
I am in the minority too it seems as we paid cash for ours, and for me £25k+/- 2k is about s much as I'd want to pay for a new car as a cash purchase.
I have never thought of getting a PCP type thing, they seem not too meet my needs, as you tend to be tied to one manufcturer or they find ways of giving you a very low MGFV / baloon.
It also depends on the car I guess, if it ticked all the boxes 100% then I'd just save the extra until I could afford one.
End of day I like cars, we all do on here and we are not the types that will go and buy a brand new silver Pug 308 1.4 because we love everything about it will we?
We buy a GTi for everything that it is, and unfortunatly that costs us all.
Dave