Visit your local dealer and take a test drive in the XC90 and the X5 over the same roads if you can. BMWs 3L engine is really good and the handling is light.
The X5 is probably going to cost more and after 100K miles, the rattles start coming out. The BMW mechanicals are a bit harder to maintain than Volvo and I wouldn't expect it to go 200K miles with out a head job.
The 5 cyl XC90 is also just a 5 seater, if you can find them. The XC70 can haul more than the XC90 and still gets better mileage.
Klaus
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Volvoless. Sold the R. There is now a void...
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