For me, I'd stick full dealer until at least 5yrs or 100,000 miles as then you can sell the car on as Volvo Approved Used meaning you (might) get a slightly better price for it.
And as has been mentioned already, you get system & satnav updates as well as breakdown service thrown in.
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MY16 S60 D4 RDesign Lux Nav in Ice White with Winter Pack, Keyless Drive & Premium Sound
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