I don’t think this was suggested, but have you considered the Mitsubishi Outlander PHEV? About the same size as your Outback, has decent power, large sunroof, no premium fuel. For July they are offering a full extended warranty out to 10 years, so that is your timeline for ownership. There are big rebates, and fuel economy would be cut WAAAAY down. Not sure if the warranty deal is a dealer specific thing but I heard on the radio for Fredericton dealer. Also they aren’t hard to find on dealer lots.
Just thinking outside the box and exploring all options.