personally I'd go for a manual if you could find one, I imagine any xc90 for 3k will have a dodgy auto box, in my opinion the manual drives a hell of a lot nicer.
easily get 30-35mpg on the motorway even in an auto.
I'm a Volvo fan, and I really dislike BMW's, but I imagine the BMW auto box will be better, otherwise if you can find a manual XC90 that's been looked after happy days!
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