That's why I'd rather a non 4x4. I'm still no wiser, although the missus says we should look at the Volvo XC90 (another 4x4!)
I was thinking of suggesting this. I've got an XC90 and love it. They do come in non 4x4. The 5 cylinder is best, as it comes with an AW trans (the 6 comes with a chevy trans that explodes, and the 8 is a yamaha motor).
Mine's not got everything I didn't want... no 4x4, no sunroof, no third row seat. It's the most basic model, and still has most anything you would want.
The wife likes it as well.