Karoq vs electric

Well, hello to all, i'm finding myself in a bit of a pickle.

I have a 2019 Skoda Karoq on a HP agreement where I pay around 285£ per month for 5 years. If I hand in my car tommorow, my settlement figure is 8600£.

My car is a Karoq with SE-L trim level, 4x4, manual, 2.0 tdi with a flawless, VW and VW specialist service, with heated seats + steering wheel. I do, around 25.000 miles per year. I'm due to start an assignment for the next 3 years in parallel whilst working. I will drive 62 miles everyday, Monday to Friday with Saturday and Sunday doing 50 miles each day.

My monthly income will see a decrease in funds. Whilst I can afford to still pay my Karoq I was looking at electric alternatives as it makes sense to purchase electric miles rather than diesel fuel at least from price perspective at least in current economic climate.

Here are coming into play Skoda Enyaq and Skoda Elroq. I cannot afford a new one, and even looking more closely now, not even an Elroq, but trading in my Karoq, paying the negative equity that lies within that, and choosing an electric version, my maximum stretched amount where I can stretch is 14.000£ with a maximum 2k deposit.

Given that my car has already over 100k miles on board, what do you think is the best decision to do, as I really don't know what to do.

I have a drive and I can install a charger at home.