Thanks for all the comments.
“Concern about if the engine fails implies a tighter flying budget in the future.”
I do not own my own co and so when I retire – which is some years away, but will fall well inside the expected ownership time of my next aircraft – my income will drop by a lot. The MCR suits my current flying lifestyle in that I mostly fly at weekends and speed helps me get to more interesting places in the time available. The Jodel will be a lot slower, but I will also get £30 - £35k which will supplement my flying budget for a long time. I may well be being overly cautions, but this is an attempt at a long term flying plan in an uncertain world!
Rod1