Thanks for the responses guys. My experiences mirror yours.
Marmoset, I've never thought of the cut in threshold being different amongst manufactures, but it does make sense. The first car I had with TC (not stability) was a 2ltr Vectra. That would cut in very easily. My last car a Saab 3.0Tid was a bit nearer the Volvo (but it didn't have stability).
Thinking about it, I also prefer that it is set at a higher level to just give you that little bit more "being in charge".
Vipes I've done the "own roundabout thing too". I suppose being an ex motorcyclist and being aware of road surfaces makes me always want to know how the car feels under different conditions, I've never been caught out yet as a result.
regards.
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