Sadly not DB pension for me so this is more about being tax efficient and retaining child benefit along with still putting a good chunk into my pension.
Funny you mention the IX3 as I did spot that it was surprisingly cheap but we like the performance of the Cupra so I suspect it along with the 2wd Q4’s will feel a bit slow once you get past the torque surge. That said I have driven precisely zero hybrids or EVs to date so I will drive a few before making an decisions.
Q4 40 0-62mph in 8.5 seconds. It had the usual full torque feel but was very underwhelming overall.
Q4 50 Quattro has 0-62mph in 6.2 seconds but it is an expensive option
iX3 does it in 6.8 and it is the standard level performance. Being RWD on an EV does not diminish the performance.
iX3 also comes with a heatpump, adaptive suspension, rear privacy glass, reversing camera, front & rear parking sensors, adaptive cruise control and a panoramic roof as standard. You need to go up to S-Line trim and specify the Tech Pack and Comfort and Sound packs to get these on a q4, though you do get the nice HUD when adding these which is not on the iX3. Adding all these missing features on a Q4 will be ~£6,000, bumping the final lease price by quite a bit. Panoramic roof is only available as part of the Vorsprung trim which is basically a very expensive fully equipped Q4.
I was genuinely shocked at how basic and stingily equipped the basic entry level Q4 was. All it comes with tech wise is basic cruise control and reverse parking sensors and cloth seats (which is fine if you prefer cloth).
My problem is that my wife really likes the Q4 Sportback and thinks the iX3 is too big. But in order to have similar monthly lease price I have to spec for a Q4 40 Sport, with C+S pack to get the reverse camera because on the sportback, the spoiler splits the rear windows destroying the rear visibility and there is no rear wiper.
Though the Q4 will have about 260 miles of range compared to 230 for the iX3. So that is a plus for the Q4. Don't get me wrong I think even in this basic trim level the Q4 50 Sportback would be a great EV and plenty of fun, but the iX3 reportedly has better driving dynamics and is cheaper if a little slower.