Buy or not as a first vehicle?

Happy news, and hello to the community! I wanted to ask if this is worth it/returns as the first car to buy a Volvo 850. My father had a 850, unfortunately a Monday car. Has only made a bitch now he has a C70 of the first series (2.0T 163PS manuall). My mother has a 850 for 4-5 years, and you and I love this car and appreciate its reliability. The C70 is a nice part, but for me absolutely nothing. I absolutely want the combination, which is unusual for my 20 years, as I see everywhere. Since I am from my point of view very reasonable and strangely totally past the “gasser gene”, how would that behave with a T-5R? How do you get there the maintenance costs regarding the insurance? Will this be very bad? The one of my mother as 2.5l 10V 144PS costs my father only 37€/month. Does the T-5R have special masks? So from 100€ insurance would be painful, but what do you not do for an elch! With friendly greeting, Rene