Ultimately went with Option B, which again was as follows:
2021 XC90 Inscription Expression T6 7 Passenger:
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Base: $63,450.00
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Climate $750
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Advanced $1700
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Metal Paint $645
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Integrated Booster $300
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20" Wheels $800
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Polestar $1295
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Dest $995
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$69,935.00
Thanks to everyone for the responses. And thanks to the brokers for the messages. One of the brokers was nice enough to make this leasehackr calculator for me on this deal. It helped confirm that it really was a pretty killer deal.
When I talked to the Option A dealer (the vehicle that didn’t have polestar), adding on Polestar ultimately made it the same price as option B: $840/month. However, that vehicle didn’t have the integrated booster seat which my wife really wanted and also had a light interior which would be bad for the kids going in and out of this vehicle (wife’s an educator so it’s not just our kids). That vehicle did have 21" wheels which I preferred, but not enough to override what was missing.
I did try for one more day to see if any of the other dealers who had an (imo) better vehicle could do better. The pricing I had been getting from them had gotten a lot better when I mentioned my deal - I didn’t say who in my shopping, but just said the what part - but still wasn’t coming close enough.
Below is the final breakdown of my best options for anyone curious. Also for anyone else who’s interested in getting a 2021 XC90 Inscription Expression T8 and wants to get an idea on what potential floor pricing can be with enough negotiation. (I was on this non stop past several days and weeks. One of the dealers I talked to even made a joking, informal job offer for my communication and negotiation skills)
Quick key to the table: Green cell = what helped that vehicle, red = what hurt that vehicle. In the pricing section, if it’s got a ? I either didn’t know it or estimated the number. If no ?, that means it was an actual number given to me.
Also, fun fact on that “5th best build” vehicle - that’s what initially opened the door to a T8 working out. A week ago, I was all set to go with a 2021 Momentum T6. But that night I e-mailed just to inquire on the off chance it wasn’t much more and when I saw just $125 more per month for the T8 vs the Momentum T6, it seemed worth it - especially if gas savings could offset the premium.