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"One problem with the 940 is that it's built so low to the ground I'd think it gets a lot more road damage than a higher up vehicle. "
Not sure what your comparing it to but 940's are not particularly low.
The hood is relatively flat and long. The front end is not particularly aerodynamic. The windshield is very upright compared to many modern cars (by modern, I mean anything conceived since 1990). All of these things may or may not contribute to its likelihood of being struck by a rock but more likely is that a route you commonly take has windshield hazards in higher quantity than the norm.
I have yet (knock on wood) to have replaced a windshield on any Volvo 2/7/9-series although my current 9 has two well repaired stone chips. That is about 11 years of driving and lord knows how many miles. My wife's cars have each had a windshield replaced (three in total) since we moved to the Chicago area but her commute takes her past a gravel quarry.
Edmunds seems to toast at least one windshield for every two long term cars they get...so one every 60K miles.
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