求教一下下班用车问题？

qfqf

公司给我的合同里有三个选项:
1.A Company owned Toyota motor vehicle, of a model approved by the Company, can be provided to you as part of your Total Salary Package to the annual value of 50% of the net purchase price excluding any trade-in.

2.A novated lease of a vehicle of your choice, in respect of which the total cost of ownership will be deducted as a part of your Total Salary Package, inclusive of FBT.

3.A Car Allowance in respect of a vehicle of your choice and provided by you, in which case the amount of the Allowance would be deducted from your Gross Pay in each Pay Period.

由于当前做的是装备保护的任务，所以可能会常常开车去现场为用户办事，次要是在维省吧，想请问一下，选择哪一个对比划算呢？感激赐教！

都市清风

看了一下黑山老妖对于novated lease的说法，是否选第二个对比划算呢？