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The water pump is the usual culprit, but water can leak from one of the front core plugs in the head or the head gasket. And since you have a fuel injected car, the leak could be coming from the auxiliary air valve or from the water temperature sensor for the fuel injection, both located on the front of the head.
Borrow/rent a pressure tester and know for sure. Some of the large auto parts stores have tools for rent/loan. Our local Autozone has such a program. They make you pay full price for the tool, but you can return the tool after using it and they refund the full purchase price.
You don't have to remove the hood to remove the radiator and you probably can't remove the fan with the radiator installed if you have a fan clutch.
It is supposed to be possible to remove the radiator with the fan shroud attached if you have 1, but I have never been able to do so without scrapping the fan blades on the radiator. So even though it is a pain, I remove the screws that retain the fan shroud. If all 4 screws are installed, you can get to 3 of them easily, but the 1 nearest the steering box is a little easier to access after you have removed the hoses and radiator bolts and with the radiator lifted up, hopefully with the aid of an assistant. After removing the screws you won't be able to remove the fan shroud, but move the fan shroud out of the way and you can then remove the radiator by lifting it straight up.
The trick to getting to the fan bolt is to remove the radiator, then remove the bolt in the center of the fan clutch, then slide the fan & clutch assembly off.
The fan clutches used on pre-1976 Volvos are not the thermal type so they are supposed to turn with some resistance even when cold.
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