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Thanks Staggers,
I have looked at various places on the interweb, and finally found the document that I was after that explains the situation in a simple tabulated form, downloaded from a Volvo Car hosted site that has the various relevant manuals in it. The approach Volvo has taken seems quite scientific, towing capacity and tow ball load fully dependent upon passenger loading, makes perfect sense. It seems that most other manufacturers just give a single stated value. The table fully bears out Staggers comments.
I just could not bring myself to purchase a Navara or indeed any other type of those 4x4 vehicles (the only one I would have seriously considered would be a Toyota Troopy), but it have probably remained unused for 95 to 98 % of the year... With the XC90, you are somewhat more compromised with regard to off-road towing capacity, but you have a comfortable and safe car to drive around in the other 95 % of the time which makes more sense for my intended use.
Thanks for all the responses, all very much appreciated.
Cheers,
Richard.