In 2018 I spent ~£6300 on train tickets for personal holiday travel all over the UK. Of that, almost 50% of it was refunded due to meeting requirements for partial refunds due to delayed/cancelled services.

After that experience, I purchased a car and motorbike and I will never be convinced to give up my independence in exchange for that abysmal service. It was completely morale breaking. What's worse is I then worked in Japan during 2019 and experienced some of the best service I could possibly think would be reasonable. It's hard to defend in any form the absolute depressing state of the UK rail service.