Chris,
Do you have any hair on your head? How do you feel about yelling? What about strong winds blowing into your ears? If none of this matters, are you alone and hope to impress a lady friend with a ride in your amazing new wonderful XF?
Yea in makes a difference - the major problem with owning a XF isn't the tens of thousands you dished out to get the thing, or the insurance bill or the gas price, but the extras you will want! And in what order.