请教一下上班用车问题？

Septem

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.

因为以后做的是设备维护的工作，所以可能会经常开车去现场为用户服务，主要是在维省吧，想请问一下，选择哪个比较划算呢？感谢赐教！

Septem

看了一下黑山老妖关于novated lease的说法，是不是选第二个比较划算呢？