One data point re: MF. Here are MFs for the B6 gas vs T8.
2024 XC90 B6 - .00125
2024 xc90 T8 - .00352
2025 XC90 B6 .00193
So when they offer major rebates (T8) they inflate the MF. My thinking is when MF eventually comes down Volvo will lessen the rebates too.
Any thoughts?