I found a local Volvo shop and the guy was very willing to look at my car without committing to having do any work. He did a test drive with me for a few miles and after putting it on a lift found that the rattling sound in my suspension was a sway bar end link. Besides that, he didn't have anything else besides what I already knew needed to be done. He then asked about the timing belt, which is another item that's just exceeded its 10 year life. For belt, tensioner, idler pulley, water pump and serpentine belt, he quoted $1200. Damn. I got a dealer quote for the timing belt (which probably included only the belt) for $750, but I'm sure the price would be well north of this guy with the other parts/labor included. He said it would be a 6 hour job, and might go up to $2000 if he VVT needs replacing. He also said its $800 in parts, but even with volvo original parts, its only about 250-300 in parts. I really liked the guy and he seems straight with his business; we talked for over an hour about volvos and various other nonsense, but his prices seem just too high.