First of all, assuming you live in the US, opt for the higher end vehicles since it would not raise any eyebrows there and wont rattle the saber of kidnappers as is the case in the Philippines. Plus provided one has a good credit rating, credit is quite abundant in the US, so your dream car is one step closer now.
Imo, get the
Lexus RX330 or better yet the
RX hybrid (which is a sell out in the US-just like the case of the Fortuner in Asia).
Volvo XC90 looks soooooo boring inside and even the outside is bound to incite a yawn soon.
X5? I think they are readying a complete replacement very soon. I think fall of 2006, in time for the 2007 model line-up.
Murano, Pathfinder? Errr...these vehicles are way too big for me. Chevy Suburban wannabe, their size, that is.
I also read an article that Toyota/Lexus is still best in terms of quality and reliability in the industry, while BMW has slipped in the quality department.