There are so many options with finance. I have just bought a new Roadster and the dealer was SOOOOOOOO keen to push me down the Personal Contact Plan route, so much so that they were pushing me to even have money back from the car I was trading in to just go for the minimum deposit.
You can flex the deposit and the term to suit and the MINI website has a tool where you can play around with the finance and compare deals, it is really good.
I am quite averse to finance, I like to know that I actually own my car so if i were to lose my job I didn't have to find £275 a month or whatever or give the car back.
In the end I went for a relatively small amount of finance over 3 years because the rate was so low, it made more sense to keep some money in my account earning more.
Everyone is different but what I would say is don't let yourself get bullied into something that you either don't want or are not comfortable with. Finance is a great way to get the car you want but remember, the dealer is making a fair bit of money on the finance deal so that is why they are keen for you to do it, it is not just all about making it work for you.
Good luck, let us know how you get on.