I thought vehicle tax was based on the list price of the car, which must be way over £40k for a V90 T5. Presumably not a deal-breaker, compared with the cost of the car.
Two things to make sure you can live with:
1 The touchscreen controlling heating and AC: could be dangerous on its own but there's a voice control alternative. I don't know how well that works.
2 Thirst: I had a V60 D4 which averaged low 40s mpg from a mixture of short and long runs - poor for a diesel. I have two friends with XC40s - a T5 which does about 32 mpg and a D4 averaging 42 mpg.
I appreciate that the dog crate restricts choice, although in your shoes I think I'd be trying a Skoda Superb estate (petrol 272 bhp), in the hope that it could do everything a V90 could but more economically and for less initial cost.
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