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After much faffing around budget revision (20k -> 2k -> 8k) and doing about 50 insurance quotes I'm now considering a 2008-ish XF. Seems to be the best balance of power/comfort/toys/age/miles for the money. Not sure about petrol vs diesel yet - the petrol VED is eyewatering but diesel seems as if it might get a spanking as pollution science progresses.
Jaguar XF R