SO Over the past few weeks I have test-driven the following:
Outlander PHEV - Good drive and handling but only suitable for commutes of 50 miles or less.  Mine is 100/day and the mpg take a real hit.  Add to that a very small fuel tank and I would be filling up every other day.  Reasonable BIK though.
Lexus NX Plug-in hybrid - Really nice interior but the drive was, well, a little gutless even in sport mode.  Full size fuel tank but still not really suitable for the amount of commuting I do.  Acceptable level of BIK.
Volvo XC60 D5 - Outstanding drive, nice interior.  The D5 really pulls like a train and proably beats the jag in terms of performance.  High BIK 

Navara test drive is tomorrow, I already have my quote and the numbers work.  VERY low BIK, even with fuel card.  I wont get the performance of the Jag or anywhere near but I would be able to launch and recover the boat with ease now and not be worried about getting stuck in the sand (as much).  Plus I get to lord it over everyone else on the road  
 
  With the financials I have worked out it really is a no-brainer.  Unless the Navara is a real POS to drive then I cannot see me going with anything else.  If only the Model 3 was available, with the BIK going down to around 500 quid in 18 months and with the 100% write-down on CT it makes it a very appealing proposition.