Julie,
There appears to be a great deal of familiarity here. I to would love an old Jaguar. Had an XK120 and a Mk 2, when I was about 18 (that was 54 years ago). I would love another one of either but, I to, have nowhere to house such wonderful cars.
I absolutely love my 2005 (Facelift) S-TYPE and would not want to part with it. It is in really good condition with only 64,000 mls but I do wonder if I can go on, keeping on, spending money to keep abreast of the attention it needs to stay as wonderful as it is. I also do not do a great mileage, have done 2500 miles since April 2021.
Having said that, with what I read about the XF, I am not certain that is going to be any financial saving to me.
Have had some very nice cars in my time, which fall into the older specification, including Nissan 200`s (S12,S13 and S14). Nissan Skyline R33 and R34 GTR`s. They were all modified and even then were easy to maintain and not over costly to keep together as prize specimens.
No good day dreaming, but bless the good old days.
Best Wishes and Regards, John