From your original request description, I think you are looking for a 240
(cheapest, most reliable), a 740, or a 940 (more expensive). All 3 of these
were considered pretty durable, and share the same engine and rear wheel
drive transmission. Newer models, like the 850, S70, S90, S60, S80, etc.,
are probably nicer but more expensive cars and can not be more durable than
the first 3 I mentioned.
All of these cars are comfortable, both in town and long hiway trips. The
240, 740, and 940 (non-turbo) do not have super-peppy engines - it was just
not a priority for Volvo.
The transmissions, if the fluid is flushed and changed on schedule, will
last till the car crumbles.
The best way to keep the cost of ownership down is to do the maintenance on
schedule. If you are knowledgeable and a little handy, you can do most
maintenance yourself. Be careful about who you choose to do the rest.
Dealer service seems to have a bad reputation, mostly on the high cost side,
but you must understand that not all dealers deserve the reputation caused
by some. Likewise, some independent mechanics are very well trained, do
quality work, and charge a reasonable price, while other independents are
not so good. Take your time to check out the mechanic's ability. Also,
<big><bold><emphasized>be sure to have a used car inspected by a mechanic
who is very knowledgeable with the model you are looking at before buying.
Ask for written report, which will help you to not only get price estimates
for any necessary repairs, but also to help negotiate the best purchase
price.</big></bold></emphasized> Do not buy a used car that has not been
maintained.
The best way to drive up the cost of ownership is don't do the scheduled
maintenance. This is such a simple philosophy, and is very much in line
with the overall Volvo tradition.
G'luck.