I have a co-worker who is a serial XC90 owner. I've seen him own 3 of them in the last 5 years and spend more money on each of them to keep them going than the entire value of my car. One caught on fire when a brake line exploded one night and threw brake fluid on a hot turbo while he was driving up a mountain to get home. A brake line can burst on any vehicle, this is not an XC90 specific issue, but it isn't going to catch fire on a turbocharger in a vehicle that doesn't have one. I don't think the AWD system has worked on any of them, and he passes state inspection each year because his brother owns a shop.
I expect the vehicles I choose are reliable and inexpensive only because they are very basic. Very little in the way of electronics - manual seats, no sunroof, no heated seats, no "infotainment" systems. They're manual transmissions, not AWD, with small engines that have no turbocharger. Lightweight, so the brakes are small, inexpensive and easy to work on. There's just not a lot that can break. As a result they're inexpensive and reliable, but I wouldn't say my minimal needs work for everyone. I'm sure he's going to buy another XC90 when his becomes more expensive than another used one, because has a lot of creature comforts and is a highly useful vehicle.