The Nissan X trail has joined the scheme which I would have over the XC40 anyday (my opinion only) Apart from stupid advance payments and no heated seats/steering wheel on N connecta trim.
While true, the heated seats are mandatory according to the needs of the OP.
I’d still argue that the C5 Aircross covers every requirement and then some.
Prior: SEAT Ateca Xcellence Lux 1.5 TSI DSG MY19, VW Golf GTE PHEV DSG MY23
Current: Hyundai Ioniq 6 Ultimate
Next: we'll see what's available in 2028.