I don't have B&W audio if that makes a diff

 

It does make a difference. The 2011 XF Premium only has the 6 disc changer (and HD radio and satellite radio, I believe) if equipped with the optional Bowers & Wilkins sound system.

 

That was the one disappointment moving from my 2010 Base to the 2011 Premium--I spent five minutes trying to figure out why I couldnt insert more than one disc. I never even thought to as ask whether it was still a multi-disc player.

 

TBH, if you can plug in a Ipod/USB device, I think this fine. Most people now have their whole music collection on an Ipod or USB device. CDs now are a pain for people to carry around.