Well here goes
1) Better off with a Civic. Insurance, Tax (especially next yr) Servicing is cheaper. I should imagine the fuelling is cheaper too.
2) Agreed

well I would say the specs are about equal, but the Honda should be more reliable, although no real issues with the Merc here.
3) £70 over the loan I'm already paying on my current car to purchase the Civic out right.
4) Again the PCP amount is the same as I'm paying on the loan per month but over a shorter term.
Not sure I'll get much thrown in, but what normally gets asked for?

I got an ok discount and half price
JDM mats when I bought a my
CTR from her.