Chip, I purchased a '99 S70 T5 from a new car dealer in lower westchester, NY last October. Mine had 56k miles and was mint, so I paid $14k. $10k sounds about right for this area, but everything costs more around here.

I can tell you that since there is so much traffic near NYC, a replaced clutch is not unusual. The only cars being thrashed are rice rockets, SUVs and german cars. Most Volvos are driven by soccer mom's and as commuter cars. I drive mine hard sometimes, but the cops really crack down on speeding around here.

Victor