Most of your specific questions have been answered aptly by the other posters. As far as the subtle differences between B23F and B230F, it doesn't in practice make much difference to you because you will probably want to confine your search for a 245 to the 88-93 model years (the 87 and older models had the infamous biodegradable wiring harness, fixed in the 88 and newer models). So you're going to want to be dealing with the B230F. Also, 91 (I think) through 93 had the airbag option, which is something to consider for a family car/wifemobile.
The trick to keeping your brick reliable, apart from the normal maintenance routine, is to keep the electrical system details in order. All of the connectors, fuses, wiring, ground points, etc., need to be gone through with a fine-tooth comb, cleaned up, sanded, and dressed up with dialectric grease. This will keep most of those gremlins away from your brick and onto somebody else's brick who doesn't put in the work under the hood. The Volvo reputation is more for safety and durability than for reliability. Honestly, they are not as consistently reliable as a Honda Civic or Toyota Camry or Corolla. But still they are better than most cars for reliability, and they can be extremely reliable if you keep on top of the electrical stuff and FI issues.
Ironically, I think it's Volvo's unmatched track record for durability that tends to give them less-than-stellar marks for reliability. The basic Volvo car will last so long that the inevitable corrosion of electrical contacts, degrading interior plastic, and rust will show up if you don't keep on top of it. Other cars aren't even on the road long enough to develop these kinds of problems.
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