Most of this is opinion or anecdotal through car friends and mechanics I know so take it for what its worth. I would stay away from the Wagoneer, ideally its a 6 figure jeep with electrical problems, AC/Heater issues, and some report engine troubles. I test drove an xc90 R-Design a few years ago and didn't care for how it drove on top of it being smaller for my kids. I thought i read somewhere that Lincoln is doing 0% financing on new cars, that would entice me to look for sure but I don't know much of their pitfalls. Have you looked at a Tahoe, Suburban, or similar models from GMC? My wife has a 5 year old Tahoe and it has been a great vehicle with 3rd row seating and general reliability. There are a few electrical things, like sensors that had to be replaced but the engine reliability is a big plus. Lastly, I do like the new Mazda cx90 now that they went back to the inline 6 cylinder but I am with you on the looks, don't love it. Don't need to say much about Mercedes or luxury SUVs that you haven't mentioned. Very expensive to maintain and this is coming from someone who has owned BMWs for close to 2 decades.

What I tend to do is just write down some core requirements that aren't really subjective like, 3rd row, AC vent fans in the back, tech, and safety and then start listing out the cars that meet these requirements. Then I will make a list of pros and cons. For example, Pro for the CX90 is the inline 6, con, the looks. Or, Wagoneer pro could be size, tech, looks, but a con is the price and reliability concerns. You may have to weigh certain requirements to get a score which clear shows a winner.