Eva,
Let me look into my crystal ball! (If I only knew what you XF is going to do for the next 2 years).
It's a tough call, if you didn't already have one, I would go 2006/7, but with the Trade-in loss & the Sales Tax, etc. it may cost way to much. Sit on it for a while & take another look at it 6 mos or 1 year from now.
Yup, that is my "Final Answer"!

SF