You'll be lucky to get lucky.
Overall, the Volvo S60 is one of the better cars to invest in from this era - if you have a somewhat disposable income.
I owned a 2006 S60 for about a year and a half from 150 to 165 k miles. Through that time I was stranded a few times, and spend many weeks without a car while it was a shop. All of my bills surmounted to around 4k, which was more than I paid for the car.
I wasn't overly upset by this. The car has a certain charm that will win you over during ownership and justifies the high repair costs. The seats will be among the most comfortable you ever experience. The drive is pretty smooth and pretty quiet. It's just barely fast enough to at least fantasize about actually owning a fast car. The sound system is also surprisingly good.
Unfortunately, the Volvo isn't class-leading in anything, except safety. A BMW 3 series will provide a faster, higher quality driving experience and a better quality of materials inside. A Mercedes C class will provide a smoother, quieter drive. Volvo tries to do both, but does not excel in either.
The all-wheel-drive also failed twice, and never really worked that well.
There will be the Volvo freaks saying this car will last 400,000 miles if you just change the oil, but for the more pragmatic of you, I suggest going for a BMW 3 series.
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