Is this for a new car? A lot of people just say to get Momentum and spec up the bits you need, obviously if you spec too much then it becomes a choice of getting Inscription or R-Design.
If its for a second hand car or nearly new car, you find a lot of them quite well kitted as it is, so might be worth a good search through Volvo Selekt?
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Thanks
DM
Possibly XC90
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