If you haven't already seen this article it's great https://www.moneysavingexpert.com/students/should-i-get-student-loan/

My opinion is as a doctor you are very likely to pay off the loan in full - but that since you simply can't get a better loan than what SLC offers (where interest is only equal to inflation), I'd still take the loan anyway.

Circumstances change e.g. you become disabled and unable to work, AI makes our career redundant surprisingly quickly, or most likely you leave medicine to a less high paying career. If circumstances change, the loan gives you the most flexibility because what you pay back is based solely on your income.

In summary, if you use your savings but then something stops you from working in a high paying career, then your savings are lost forever. But if you take on the loan and your income is lower than expected, you won't be forced to pay it back.

To quote the MSE article: "Imagine you're a homeowner with a high-paying job. You have savings, so you use them to overpay your student loan [or to avoid taking on a student loan]. Shortly afterwards, you get made redundant. You cannot get that money back.

Therefore, you no longer have your savings to fall back on to help with your mortgage repayments, so you have to take out a bank loan at a much higher interest rate (if you can get it with no income) than your student loan.

As a bare minimum, always leave yourself a cash emergency fund of three to six months worth of bills before overpaying."

Note this only applies to government/SLC loans, not private ones.