Welcome to the forums mate
I'm biased too :p
A lot needs doing to an XR to get it up to Ghia spec too. Probably a bit cheaper to get an XR to Ghia spec, but more stuffing around (elec everything & looms plus changing interior).
Either way you start with a good car. I started with luxury and am now chasing power, however for me there was no performance difference b/w a V8 Ghia and an auto XR8
-Dave-