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I don't think the t-cross will be much better than a polo in the bush. Both are not built for off-roading.
True. The ground Clearence will help a little but only so much.
Dont be fooled by vws marketing department, youll be buying essentially the same car that you have with some added tech goodies,
Pretty much true. Motor manufacturers are at the end of the day nothing more than a business. And every business wants to spend as little money as possible while making as much money as possible. And one of the best ways to do this is it to have common parts between vehicles. And most vehicles share a common platform. So for arguments sake the Opel Corsa, Opel Mokka, and Jeep Avenger all share the same platform even though they are all very different vehicles from one another. This is because these brands are owned by the same group. Polo and T-Cross are part of same group and share the same platform.
Also if you must, buy a cheaper pre owned bush ready bakkie/SUV as a second vehicle. Daily the paid off polo.
True. A more purpose built vehicle will be far more suitable. Something with a ladder frame chassis.
Funny that, I am actually in the market for one (80 Series) but I can't find them anywhere...do you have any contacts?
I still want one myself! Arguably the best SUV ever built. Tougher than a hammer! Ask the guys at the Land Cruiser Club of SA or on the 4X4 Community of SA.
Get a duster
No. Renault's depreciate faster than bitcoin. Not a bad vehicle though but they don't hold value. Rather look at something like a Suzuki Grand Vitara Subaru Outback etc

the best car is a paid off car
True. Or the one that suits your budget.
 
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I know this is exactly what you said you didn't want (advice on the car), so let me put it this way:
Life is short. Buy what you want if you can afford it. As long as you get what you want. Make sure the T-Cross is what you want.
If I'm going to give you one piece of advice, it's this: Rent a T-cross for a weekend getaway and see if it's what you think it is

I'm only going to add what I think is of value to you since I was looking at the T-Cross to replace my old 9N (round lights) Polo.

Pros:
  • Less theft risk (for now...)
  • Moving rear seats.
  • Most parts are shared with the Polo so availability and cost should not be that bad.

Cons:
  • The T-cross does not have that much more ground clearance than the 6C Polo. If you were not replacing a Polo, yes it's great. IIRC, the difference was something like 10mm. The main difference is the front bumper. It is much less likely to scrape than the Polo's. So, better approach angle, but breakover is not that much better.
  • That 1.5 turbo engine is shaping out to be a bit "temperamental". Built well, but at least one software issue with throttle control. The 1.0 engine seems fine.
  • Being based on the polo chassis, it will probably be harder on the control arm bushes if it is taken in the bundus often. But this is my opinion based on my 9N Polo.

If you haven't already, watch this: Good comparison (Cars.co.za)

I decided to keep my Polo until I can afford a Tiguan.
 
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If you were able to pay more why did you not just shorten the term?

Salary works on commission, some months are good some are meh. So didn’t want to make my monthly payment too high 🤷🏼‍♂️
 

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