The question is not only whether the boot closes once

Many travellers judge vehicle fit from one loading photo.

But the expensive part of this setup is usually not fitting everything the first time. It is retrieving the wheelchair and gear repeatedly over several days without dragging the whole group.

Folding one side of row three creates a stable buffer for high-frequency bulky items

A wheelchair should ideally come out without emptying half the boot, and a camera bag should not live permanently at the bottom of the stack.

One folded section often gives both categories a more stable zone than a full-row seating plan can provide.

If the full third row stays open, retrieval order and cabin discipline often suffer first

With all seats preserved, the wheelchair, camera bag and large suitcases usually end up changing layers constantly.

That can leave the group with more waiting, more unpacking and less room for senior assistance even though no seat was formally sacrificed.

A full third row makes sense only when access pressure has genuinely dropped

If the wheelchair is low-frequency backup, the camera bag does not need quick access and the suitcase load can be reduced, the full row becomes easier to defend.

Otherwise, the more mature approach is usually to admit this is a high-occupation layout and reserve stable space for it.