Definitely crossover
When people ask, I immediately call it a crossover. And if they don't know, they usually reply with something like, "a crossover? is that like a blend between a car and an SUV or something?" "You got it!" I traded in an XTerra for my Mo. This is definitely not an SUV. I can't (won't) take it places I've taken the XTerra.
One reminder that I had early on was while I was driving on route 195, the highway that cuts straight across NJ from Trenton to the Shore. For years when I would come across debris on the roadway with the XTerra, I would just line up the car and take it right down the center. Well, I was passing over what truckers call "an alligator".. it was the tread of a truck tire laying almost flat in my lane. Well, as I went to pass over it in the Mo, "BAM!" it hit the undercarriage right under my seat. I quickly realized I did not have the ground clearance I was used to in the XTerra.
Another time I was following someone on the NJ Turnpike (albeit a little too closely for the speed) and they JUST missed an orange construction cone. Well, at over 80mph, all I saw was an orange flash passing the right side of their car before (again) "BAM!" I hit it with the front right tire. It tore the right front rear (behind the front right tire) mudflap half off the car. Dealer covered the damage under warranty somehow.
Its not a car, and its definitely not an SUV. It has the comfortable ride of a car, but the usable space of an SUV. Its a crossover.
Thanks for asking. Good question.