Hi Ian,
Welcome to the group!
I've been in a similar situation - always craved an XF, but they were never on the list of company cars I had for many years (although a Golf VR6 and an Imprezza Turbo were!).
So, upon giving up the work scene (and retuning a Mercedes A220), I bought an '11 reg XF-S Portfolio. Lovely car, but was becoming a money pit, so swapped it last year for a '17 reg XF-S. Even more lovely! Loaded with most available options, but I do miss the cooled seats the previous one had.
I hope you enjoy your XF experience!
All the best,
Jon