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If you’re not dead set on a manual version, there’s an electric one now too, which should need much less maintenance. @puzzlegal recently tried one:
And:
EVs usually lose a lot of value after the first year or three, so if you can find a used one, it might be affordable?
Oh, apparently there was a 2020 model too: MINI Approved Used Cars | MINI UK. Some are under £12k.