I have been thinking the same for the past 6 months. But nothing fits the gap for what I need when you consider selling the X. With that said I have 94k miles on a 2016 90D.
I got Xcare in Jan 2022. Since then it has more than paid for itself. AC compressor, battery heater, MCU2, front door handles/latches, driver side mirror w/ LTC cable, FWD sensors both sides with driver side multiple times, both half shafts, driver side control arm, and little trim or issues I can’t remember. Most covered by the warranty. I’ve calculated at least $10k in repairs. I’ve paid the $150 deductible for each repair.
If you can find a newer X or new X, I’d recommend that and if you want to keep the X then definitely get an extended warranty.
Good luck, as I said I think I am at where you are when assessing alternative vehicles apples/apples (size, performance, safety etc)