Here's my take: Yes, you should be worried about it, UNLESS you know FOR A FACT that your dealership would warranty the drivetrain failure using your current setup. If you are out of warranty you should only worry if you know FOR A FACT that the tires are of matching size, weight, construction, etc.
Since you said you are only going to use $85 tires, then I think $340 for a set of 4 is decent for the peace of mind.
This isnt a Volvo specific thing, most other AWD vehicles have the same restrictions. BMW no longer recommends rotation on those vehicles, I have heard.
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