I probably spend £600 per year on fuel at current prices so the real world average of 36mpg for the XC40 is fine for my use..
In which case it sounds perfect for you. I do about 9,000 miles a year but would still place running costs well down the list of priorities when looking for a car. Not that it ever would, but if a car like the Porsche Macan came on to the scheme there would be a stampede, regardless of the AP, even though around 23 mpg would be the norm 😂