XL = Extra Load.
I think the standard tyres for the XC90 have a 103 load rating whereas my XL Goodyears are a 107. In simple speak each tyre can handle approx 100kgs more or 200kgs across the axle. Both versions exceed the maximum permitted load on both front and rear axles but the extra margin is useful when towing.
In very simple terms the XL tyre will have reinforced sidewalls. On the downside they are a little harsh if inflated to eco setting (39psi) and the car is empty.
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