If you buy it out I would go for the warranty. I only would go fro the Volvo warranty as it is done at Volvo shops and there are no debates about it, it also extends the Volvo on call and the courtesy car. Tell them you'll pay $15,000 if they inclede the warranty. Make sure it is the most complete and longest. It is transefrrable so if you opt out the next nuyer can still keep the warranty a plus for resale. I would think you could get another $1000 if the warranty was still good for a year. I bought a 1998 S90 and transferred the Volvo warranty and it saved me thousands! there was a noise in the steering column it turned out they replaced it under warranty the part alone was about $1000!