I'm also in the same boat. The VED is an absolute joke, I'm inclined to sell and get a mondeo estate or a 330 touring. I've had both and miss them dearly, however they were problematic and I was constantly pouring money in to them (not as much on the mondeo mind you) but sometimes it's better the devil you know. My xc90 is a peach, very well maintained and I'd be very regretful to get rid and replace it with a lemon. Tough decision I agree, and xc90's are only depreciating daily as further restrictions come at us motorists so I'm in limbo at the moment.
But a wise woman once said to me: If in doubt, do nout.
So that's what I'll do for now 😁
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