For the money as good as your likely to get.
Not a supermini fuel wise, but what you spend on fuel you save on parts!
On the road
A good distance car that doesn't feel too big in town either.
Brisk for such a big car, needs to be revved sometimes though because of the 4v head.
Living with it
In 2 yrs nothing major, just minor age related issues.
As good as a BMW but not as "estate agent" A thinking persons exec car.
As comfortable as any other car I've seen, front AND back.
Security and Service
Tend to be avoided by lowlifes, other than that nothing special.
Generally use German/Swedish for parts but Volvo has come up with the goods when needed.
Problems and Ownership
Little oil thirsty.
Minor (age related) electrical issues.
Did you buy the car new?
Would you buy the same model again?
Did you buy from the same manufacturer again?