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Thanks for the info Skierman,
My previous experiences with my '01 S40 and '04 XC70 were pretty similar to the XC90 you're considering. With these vehicles I usually needed new rotors (or so the dealer claimed) roughly every two sets of pads -- or about 28-40k miles (45km to 65km). My experience is that this is pretty typical with "today's" vehicles that have DSTC, ABS, etc. for Volvo, Subaru, and Toyota. I also do a lot of stop-and-go driving while commuting so if you're driving mainly highway miles you'll do better.
Seems like something in particular is wrong with my car (likely) or my model/year (possible, though less likely). If my rear brakes were dragging all of the time, I'd expect to see lower gas mileage and to be wearing through the pads. This doesn't seem to be the case as I generally get between 18 (mixed) and 24 mpg (highway best case) and the dealer has never said to me that I wore through the pads and scored the rotors while they were in there replacing the rotors (though they did replace the pads as well each time).
-Jonathan
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