"In short, just buy an old car. You won't regret it much."
Much as I agree with everything you say, this last part is the bit that will bite, slowly but surely. With the reported ban on sales of ICE cars from 2040, I predict that vehicle duty will begin to ramp up markedly for all ICE cars in the run up to 2040, possibly to the extent that ICE cars will be pretty much unaffordable to run by 2035 for most of us.