Talk me out of a 63k Novated Lease

I (29) earn 105k in public sector contributing extra to super (22%). Still being taxed approx $1200 per fortnight as its shift work with penalties etc. The only other salary packaging my job offers is Novated Car Lease.

The car is a 2025 Toyota RAV4 petrol hybrid. Changed leasing companies car insurance from $2,600 to a private quote of $1,500. Total lease cost comes to $300p.w at 8.1% with a residual of $21,000 after 4 years.

My partner (31yo) earns 95k (solid, no penalties) and utilises $12,000 salary packaging on a living expenses card.

We are currently renting @ 2000/pcm but have option to move back to parents with no overheads.

We have $360,000 in HISA @ 5.5% with plan to put down on a house deposit when find the right house for us.

What do you think Aus Finance legends?