Just commenting to keep an eye on this. Partner and I currently have the Kodiaq SE L. Very happy with it but, as you say, the AP was a debt-inducing necessary evil at the time. Next lease due in 2028 and am doubtful the Kodiaq will reduce it’s AP enough by then to make it a viable option so hoping the other two you’ve mentioned make it onto the scheme with AP’s that are a bit more budget friendly.
Shame though, the Kodiaq is a monstrously cavernous beast that I find a joy to drive…will be sad to see it go