I drove my 05 every winter since I bought it in 07. Put a good all-season set on there and you should be fine. The biggest challenge will be ground clearance in deep snow of course. Otherwise I was very pleased with the performance here in Michigan winters. I put it away this year because the Goodyear Assymetric Summer tires I have on her would be disastrous in the snow and I can't currently afford the Conti DWS all-seasons I want. Besides I have a Saab I want to run again this winter.

But if I had the right tires on her, I'd keep the XF out and drive it. Good luck.