Only things left to figure out are if we'll lease or test the Volvo Care subscription (most attractive features here are no real down payment, no maintenance concerns, and possibly get to upgrade to an all-electric Volvo 24 months later) and see/sit in one to evaluate how well 2 rear-facing car seats fit.
I'm not against Care By Volvo, and was recently even considering it, but it's worth talking about a few points:
- Maintenance is not a major concern on a 2-3 year lease
- You can negotiate $0 down on a lease too
- Insurance is included - IMO this is the only significant financial difference from a lease, although it doesn't make up the difference for me.
- You can actually upgrade every 12 months if you're willing to re-sign to an additional 24 months, which is nice
- In the Care by Volvo announcement they claim that you'll be able to borrow an XC90 a few days every year for free, which is nice
- The XC40 will be getting a plug-in hybrid config in the next year or so (although config hasn't been announce). A plug-in hybrid already exists for the XC60/XC90/V90 and is coming in late 2018 for the V60.