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I exhausted all options what I was considering and decided I cannot give up the X5 right now. With 26,000 miles in 4 years of ownership, I think I can go for another ~30,000 miles in the next 4-5 years.
I decided to get an extended warranty for 5 years or 62,000 miles for $6K (That is $1K loyalty discount).
Here is the summary of the CONS from each vehicle I was considering:
Atlas - no R-Line with SEL Premium, VR6 motor not enough power for our elevation, minivan-feel, plastic everywhere, consumer reviews, no rear air suspension.
CX-9 - no panoramic roof and surround view, interior details can be better refined, 2nd row does not split 40/20/40, no HVAC in 3rd row, no rear air suspension.
4Runner - dinosaur technology, slow transmission and engine, suspension floaty even with XREAS setup.
XC90 - infotainment all in the touch screen, engine is noisy, suspension floaty.
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