They didn't make new XCs this year because there are too many carryovers sitting on dealer lots.
Both are idiotic.
Nope, it's not. Rates at dealers are upwards of 10% right now. Even the local credit union is 7.5-8% depending on loan term and that's for prime borrowers.
There are some really good deals out there right now, if you can stroke a check for it. Get a few dealers in a price war against each other on the same or similar models. The time spent comparison shopping and a couple hundred miles will be worthwhile.