2020 vs 2022/23 Potential new xc40 owner

Hello gang, my wife and I just kind of fell in love with the small, well built xc40 as we have a couple girls coming up driving who would like to inherit a smaller safer vehicle like this in a few years when they drive.

I’m currently looking at a 2020 with 50+k miles, or a 22 or 23 model year XC40 with less miles but about 8k more. Or, a 2022 electric xc40. Any perspective on the 22 electric tech? Or any model year jump that’s definitely worth striving for? Any pointers on the Volvo plug in electric if I’m looking at that in my garage to charge?