Hi Dan,
There is an easy test that the Dealer can do to verify if your AWD drive train is in good working order. I would recommend that you take the car to a good Dealer and have them do a through inspection/test of the AWD system to make sure you are not on the edge of a major failure.
I own a 99 XC and what I did to help solve some of the issues with the AWD system is to carry a full size spare. Last fall I bought a matching full size rim and purchased 5 BF Goodrich tires of the same type that are non-directional and can be cross rotated. Every 5k miles I do a 5-tire rotation. That is rotate the spare tire with the 4 tires on the car. This way if I ever have a major failure of a tire I will still have a full size spare that I can safely run on with out worrying about damaging the AWD system.
Good Luck,
Steven---
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