Money Matters: I think the F25 X3 will stand the test of time better than the XC90. Additionally, I believe resale value of the X3 will prove to be stronger as well. On paper the Volvo R Design boasts 325 hp vs. the "stated" 300 for the X3. Note to self the N55 in the 35i is underrated by the factory - that along with the 8speed transmission allows the X3 to pull harder "acceleration wise" than the XC 60 R Design.
The Volvo's seats are comfortable but why is it that in the year 2013 Volvo still has a "turn knob" for lumbar adjustment. Dynaaudio in the Volvo sounds really nice. I personally haven't driven the XC 60 but from what I have read/heard the X3 handles a bit better.
Depening on the options you choose the chassis/drivetrain is configurable in the X3 as well. Drive both, pick them both apart: interior, storage, design/style, performance, and make the decision that suits you best - good luck and have fun with the selection process
2012 650cic Space Gray/Vermillon Red/Blk.Top/Lux Seating/Heated Seats/Style 356/Apps/Prem. Sound(retired)
2012 M3 AW/FR NDH2/2MK/ZPP/ZCP/ZCW/752/6NR/+ all optionsexcept sunroof/OEM CF splitters/OEM CF mirror caps
2011 MINI CooperS BRGII/Lounge Green/Sport/Prem/Connect/Black Xenon/Black Conical Spokes/ACS springs/ACS exhaust/Alta Shorty
2012 X3 35i Titanium Silver/Black ZAP/ZPP/TECH/APPS/Breyton GTS/Continental Extreme DW (20's)