Here is a trick for getting XR for cheap. They are a year old so most of them are qualified to be unlocked. I purchased my US set and hammered T-Mobile for a few days (their facebook service is very responsive) and after that they unlocked my phone.

Cost me around RM1k nia for a used pristine condition iphone XR 64gb. Of course, if unlocked then wont be so cheap around RM1.7k.