Actually similar situation here - OEM fluids in my car only. I found out those are actually pretty resonable priced and coolant concentrate+destilled water price combined was only few quid more expensive than local motor factor replacement, but also keeping peace of mind and not worried about matching the parameters. Not sure about D engines, but T5 with alu block is very fussy for proper coolant and the "savings" just wasnt worth it.
Power steering - I also used OEM volvo one, flushing it is done once per 10years probably and again cost difference was marginal.
Cant help you with AT oil - Im on manual. (but yes, I also used OEM oils for MT, angle gear, diff and haldex so you can sense a pattern here ;P)
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