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No, 98's are some of the better ones actually - you don't have to deal with the ETM module failing on you. Since you're already familiar with the 850, the XC is a very similar car and will have similar problems to what I'm sure you've had with your other car, and they're more or less every bit as reliable...I still see tons of them every day.
That said, make sure the tires all the way around on one look to be wearing evenly, that it DOES have the driveshaft still installed (many just remove it when the AWD starts to go out), that there are no funky noises coming from the driveline, and check the transmission fluid/color. The timing belt should have been changed at 70K intervals for the 98/105K for the 99 and 2000 ones. Pull the dipstick while the car is running...if you see smoke puffing out, you're going to have to clean the PCV system. Make sure the A/C works nice & cold. Miles aren't necessarily a problem if the car has been well-cared for, but it seems like many of the AWD systems start to fail on higher-mileage cars, so that's something you may want to keep in consideration as well.
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