If £161 is a lot then maybe its not for you, how much is the car? I paid £250 a month for a £9000 car once but then i owned it with no balloon payment over 4 years. Just to compare with however your deal is.
Also to note would be what is the car worth at the end of 4 years? If its worthless at the end then its defo not worth it.
Off topic but Adrian flux was mega money for me, It was something like £3500 when everywhere else was £700 for my RS3. Was just a joke so ive never tried them again.