They pay engineers too much. Keeping things simple is just not in their lexicon. The "older" versions have 6 or 7 clamps/clips that hold down the lid, which means dirty fingers to change the filter.
Because there is just enough room to swap filters with the forward clips loosened, I would just pry it up and not attemp to take the whole thing off. Just too much work!
An oil change for synthetic is at least $80. Volvo synthetic oil is very expensive, it costs a lot to remove the refinery label and stick a Volvo label on the bottle :)
Same is true for brake fluid. If you don't want to bleed the brake system yourself, find a local reputable shop and ask for a quote. That is why Volvo indies get so much business.
Oh, don't forget your cabin filter.

Klaus
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The 164 has a new home, all I am left with are a 95 854T and a 98 V70R :)