Your big issue will always be, as with any pre-owned car (if thats what you settle for) .... what you get (gem or dog) is totally reliant on the previous owners attitude to care and maintenance .... even the "most reliable" cars can be dogs depending on the previous owners attitude and approach.
I don't believe all XC90's and your experience is typical ... but its clear, and often said in these forums, an XC90 is neither a cheap car to own nor maintain.
Hope you have just been unlucky, plus I would agree with Odysseus ... give LR a wide berth unless you happen to own a LR dealership or are best chums with your local AA/RAC recovery driver (other services are available.)
