At 200K miles you can realistically expect problems- possibly major in the next year or two. Some people get above that mileage with no problems. I have often bought 8-10 year old cars at 150k miles and put another 100K miles on them over a few years- I'd be hesitant to try that with a 14 year old XC90 though.
As well as already good advice mentioned by other posters I'd check for-
1. Rust on rear subframes and general underbody. More than a few XC90s are failing MOTs on this. Very expensive to fix if subframe as you will probably need a new one.
2. Rear shock absorbers are self levelling- £3-400 approx each new- they last 10-12 years normally.
3. Handbrake should be working on just 2 or 3 clicks. Otherwise expect a garage bill for £200-300 in the next year or 2. Far more if you have to change the rusted cover plates behind the discs. (they last 10-12 years)
4. Oil under radiators- probably the intercooler.
Personally I wouldn't buy it even if you are good with the spanners. I'd go for one around 100K miles and minimal rust underneath. Check if core plug (behind flywheel I think) has been done on older 163 hp models(more knowledgeable members may know the exact years affected) -very expensive to fix. Newer 185hp models can have DPF issues I believe. I'll be replacing my wife's 2003 D5 in the next year or so-I'll be going for a 200hp model(post 20011 I think)
Good luck.
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