The S-Type's boot is generous and rear-seat space is adequate, but rear headroom is tight for taller adults and the running costs (especially V8 fuel economy) make it an expensive family car. A diesel XF or Mondeo is a better family buy.
A 3.0 V6 with full service history is a comfortable, refined commuter - but 22–26 mpg and rising specialist costs mean it's not a budget-friendly daily. Buy one as a second car, not your only car.
The S-Type is cheap to buy (£1,500–£3,000 buys a usable example) but expensive to keep. A £4,500 engine replacement on a £2,000 car is a financial mistake. If your budget is tight, buy a well-maintained V6 and accept that one major failure means scrapping it.
The S-Type R's 4.2 supercharged V8 offers genuine performance for under £8,000 - but you're buying a future classic, not a daily driver. Budget for cooling system refresh, supercharger coupler replacement, and timing chain inspection.
If you're buying your first Jaguar, the X-Type is cheaper to run and the XF X260 is safer to own. The S-Type is a car for someone who already knows they want a classic-era Jaguar - not a first step into the brand.