There are plenty of adjustments that can be made on newer Volvos aside from the few engine adjustments you note. I guess a good example would be a friend who went to the dealer with squeaking brakes. Dealer said he needed new rotors and pads to the tune of $800+. He took it to an independent who cleaned the calipers, etc. and put anti-squeal lubricant on the pad backs and charged $100. Perhaps this is not a good example, well here's another... Another friend went to another dealer with no a/c. Dealer said needs new evap. for $1,000. Went to independent who re-charged with sealant- cost $100. Still works fine two years later. Here's another- Another friend went to dealer with rough shifting auto tranny. Dealer said needs new tranny $2,500. Took to independent who flushed ATF- now fine. I could go on.. In most cases, service is the highest margin business for the dealership- they really don't make a lot of money selling new cars- a little more selling used ones.