The other angle to this is there are a lot of 12+ year old XC90's on the market now for reasonable money, the older model doesn't seem to have been badly impacted by inflation, so there is lots of choice. Take your time, do your checks, wait for the right one to come along and I'm guessing it wont have 200k on it.
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2011 XC90 D5 Executive
2003 C70 T5 GT
2012 Ford Ranger XL SC
1977 Triumph Spitfire 1500
1976 Massey Ferguson 135
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