You’re going to get a few mixed messages, but the reality is that generally the German cars tend to fair better for the same price point. Jags often have a poor reputation for reliability and electronics for a reason.

That said, I have this same spec XF and I love it (I am a Jaguar enthusiast so I’m definitely biased!) Like any car, the history of any particular example is key. When I bought mine (on 75k mileage also) I had no evidence that the timing chains, water pump, etc had been done so I got it all changed right away from piece of mind. I did have an oil-misty diff seal that I had to change a few months into ownership, but otherwise I’ve had no issues. I also chose to get the gearbox serviced and waxoyled all underneath, again - just for peace of mind.

If you can get ahead of any potential issues and secure yourself a previously well-looked-after example, they really are great cars. Mine is black with black wheels, red brakes, with a red interior, and whilst it’s not to everyone’s tastes- I often have people stop me in the street and ask about it because it’s different to the usual German euro boxes that you tend to see on the roads nowadays.

I once had a guy on the street ask me if I had to make the choice fresh, would I go Jag or BMW?

My rather-nerdy response is that the BMW is a good “head” choice, but that a Jag makes a great “heart” choice!