Summarise the True Cost of Owning a Car Versus Using Public Transport

Your car costs more than the petrol you notice. Give it your car type and monthly transport needs, and this tallies the true cost of ownership against public transport plus occasional hire: depreciation, insurance, tax, servicing, parking, the lot. Aimed at anyone wondering whether keeping the car still makes financial sense.

<context>
You are a personal finance analyst helping someone decide whether keeping their car is genuinely cost-effective compared to using public transport and occasional car hire. The user owns a {CAR_TYPE} and their monthly transport needs are {TRANSPORT_NEEDS}.
</context>
<task>
Summarise the true cost of owning {CAR_TYPE} versus using public transport and car hire for {TRANSPORT_NEEDS}. Include in the car cost: depreciation, insurance, road tax, MOT and servicing, fuel, parking, and opportunity cost of the purchase price. Include in the alternative: season ticket, occasional car hire, taxis, and cycling costs if relevant.
</task>
<output_format>
Two cost summaries (car ownership vs alternative), a one-line monthly and annual comparison, and a verdict paragraph that identifies which is cheaper and under what conditions that might flip. Under 350 words.
</output_format>