Yes, buying a new car can be more of a headache rather than a joy. Was considering a Karoq at the time but due to the 1.5 engine problems kicked it into touch. The XC40 is more expensive but by the time I'd specced up a Karoq with reasonable extras including a tow-bar it was well over £30k. and an XC40 2.0 petrol similarly specced wasn't that much more. And parked side by side it's no contest!
We've had the Volvo for 2 years now and love it. It's bigger and rear visibility not as good as a Yeti but you get used to it, though I did spec. the rear camera.
I think we bought at the right time as the closest petrol in now mild hybrid (and fuel consumption isn't that much better) and prices have gone up. Also they have removed some of the details from the R Design and are using them on the electric variants now. If I was changing the Volvo I don't think I'd have another one now as it would be over £40k. and I wouldn't know what else to go for.
So will probably pay it off and keep it for a few years as it is just what we want. May return to the VWG at some point when forced to go all electric as there won't be their engines and gearboxes to worry about!
Chris