My experience mirrors shammyh's. I also don't generally use electrical devices more than necessary. I agree NOT using cruise generally nets me better mileage as my foot is lighter than the computers. Anyway I know how to get good economy. I can beat EPA estimates in my other cars and I drive one MUCH more aggressively than I drive the Volvo. On my trips to OR I drive another car up to 90-95 in the wide open stretches (with a roof box on) and still beat EPA estimated highway economy over the entire trip. It's quieter and more stable feeling. I put about 25k on per year so I'm pretty good with the tricks, although holding a lower gear is tough with the auto. Sure, you can use geartronic but it's awfully easy to forget about.
I think the issue with the Volvo is aerodynamics because the mileage "penalty" for high speed seems to be rather severe. Also accounts for surprising wind noise.
My tires are a bit heavier but I'm not seeing much difference from what I was running in summer (Scorpions). I think the rotational mass is more of an issue in city driving. In any case I heard regular reports of mid to high 20 MPGs when I was investigating the XC. I assumed that meant folks were driving Interstate speed, which is usually, realistically at least 70 (in a 65 zone). I also never expected the added speed penalty to be so high. I regularly drive 5-10 hour trips on the interstate and driving 65 rather than 75-80 is just not going to happen, especially when the cops don't bat an eye and frequently there are no other cars to be seen.
Sadly I bought this car for trips and it is just frustrating to be expecting an easy 25 but really only getting economy almost as bad as my van on road trips...a person can travel/tour/camp with dogs quite comfortably in a van vs a car.
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