Underpowered? I have the 2.5 D5 diesel 185 and that moves ok, so I can't see the problem with the larger motor you've considered. It's not a tidal wave like the V8, but it's more than enough to keep up and overtake. Hell, look at the Toyotas and Kias and the like, most of which are slower, and no one seems to be suffering.

No occupant of an XC90 has ever been killed im am accident here in the UK, which is mighty impressive. Comparing the crash testing stats to more modern tin it also compares very favourably in that regard.

My 2009 R Design has the seat nav in the screen that rises out of the dash. In 10 years and 134,000 miles its proved faultless - I'm unsure why you would think they're problematic, as most users have found them very robust and reliable. Sure, it is outdated now, but that can be said of virtually anything a decade old. Nevertheless, it's still effective and works reliably.

None of your ckncerns really bear scrutiny. If it drives well and you like it, then buy it.
--
2009 XC90 R Design 2.4D