To be honest I think the advice "avoid the turbo" is just plain bad advice. The turbo isn't that much money if it needs replacing.

My own 940 has got its original turbo cartridge but has had a replacement waste gate housing. The waste gate housing cost 100 Dollars or so new. They crack internally and the car loses boost. It just blunts the performance, it doesn't affect reliability. The car now has just under 218K miles on it; those are hard miles. Mostly I run it full of samples, all over Europe at high speed. It has towed heavy trailers long distances.

It has had the usual repairs, headgasket at 160K miles at which point I replaced the head. I also replaced the original waterpump at that point because it was old. It showed no wear or leakage. The head is largely down to it running on LPG which runs much hotter than petrol.

Radiator at 150K miles. Rear nivomats were replaced early on in its life, 60K miles or so with Bilsteins and standard springs. It has had one replacement set of rear disks, It likes a new set of front disks every 70K miles or so. It has had one oxygen sensor, because I decided it was due. Front suspension is original apart from the conical tie rod bushes. Rear suspension bushes are original. Starter motor, injectors, back axle are original.

Those late 940 Turbos are among the most reliable Volvos ever built, and I've had PVs, 120s, 1800s, 140s, 160s, 240s, 360s, 740s, V70, S80. Even now when I walk out of the house I'll always pick up the keys to the 940 at 218K miles rather than the S80 at 65K miles.