Your car is quite low miles. Quite new.
You're looking at all the things that my car needed at about the same age, though with a few more miles. I spent the $$, replaced what was needed and have enjoyed the car for years afterward.
I understand how it is when $$ are short (we have four kids in college this year, one just graduated in December, one is part time finishing his senior year, a senior, and a freshman)...but keeping this car is far cheaper than any of the other options: new, or different used car. Similar situation for us a few years ago. The safety, low insurance cost, low depreciation and yes, reliability of the Volvo are a great combination.
I'd keep it.
Current Fleet:
2016 Tundra Crewmax 4WD 1794
2005 MB S600 (126K, Michelin AS4, HPL 0W40)
2005 MB SL600 (55K Michelin AS4, Mobil 1 0W40)
2004 V70R (143K, six speed M66, HPL 5W40)
2004 XC90 (235K, HPL 0W30 Euro)
2002 V70-XC (295K, HPL 0W30 Euro)
2002 V70-T5 (225K, IPD bars, Bilsteins)
2001 V70-T5 (125K, IPD downpipe, cat back and other mods)
1932 Packard Sedan (straight 8, dual sidemounts, original paint and interior, Shell Rotella 15W40)
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