I personally think you'll do whatever you can finance wise & mind-wise to justify the XC60. You're on the volvo forum, right? Bet you're not on the Skoda or VW forum having this discussion - that's because you "desire" the Volvo. It's a "nice" thing to have. I have an XC90, but it's a "nice" piece of design. It's Apple-esque to a degree now. It doesn't matter what Audi or BMW do, you'll still look at the Volvo and desire it.
You may go and drive the Skoda, and your head will tell you it's more sensible, but it's not *quite* there in terms of that "Apple" feeling that Volvo is now approaching. Volvo looks a nice clean pure Swedish design - something to behold and nurture.
For some, Samsung can do as much as they like with their S8 etc etc, but many will still want that warmer feeling that comes with Apple.
Saab (RIP) and Volvo just have that Swedish calmness & softness that sets them apart from the mainstream. Skoda & VW are just grey consumer brands pitched at a different level.
Hey, it's all in the clever marketing! We all get sucked in.....