I'm driving my second Volvo (2002 S60 2.4T, albeit a sedan, I don't think it is very different from the XC mechanically other than the apparent AWD of course). I can confidently tell you that this will be the last Volvo I drive. Even though XC is a wagon, the storage is not that good. Volvo has a kit (~ $200) so that you can put two bikes (upright, front wheels removed) in the rear with one side of the rear seats pulled down, but for your bikes to fit, the vertical distance from the bottom of the rear wheel to the top of the saddle needs to be IIRC 75cm. Also, in general Volvos have very very expensive parts and dealership labor rates. The turbo is a low pressure turbo and spooling rpm is too high to my liking such that when I'm driving in the city the rpm is low enough and turbo is not spooling, but I don't have enough power, and when the turbo is spooling I have too much power for city driving, so you're always in a state of limbo unnecessarily engaging the turbo on/off. I believe that was one of the reasons they increased the displacement of their 5 cylinder block to 2.5 liter from 2.4 in 2004 model year and on. One of the things I hate most about is the almost non existent turning radius. The thing absolutely cannot turn to save its life. On most places you'll need three-point turns. My wife's Ford Escape (with almost the same engine displacement but 4 cyl, and 4 speed transmission turns much better than my S60). I believe it would be better on the wagon but S60's rear leg room is worse than my sister's 2008 Honda Civic (imagine my disgust when I sat on the rear seat of my sister's Civic and feeling not as cramped as I felt in my own car's rear seat). My previous Volvo (a 95 850 sedan) has been such a great car that the S60's shortcomings are even more pronounced to me that I can say this one has been a huge disappointment. On the plus side, the small details and the interior build quality spoils you quite a lot. Long drives are pleasurable and you will be absolutely spoilt by how it feels and drives.

I can't comment on the other two, but if you really want to carry your bike inside the car, definitely take your bike with you and make sure it fits when you're at the dealership/seller to look at the cars. Now, if you're definitely set on Volvo, I would recommend looking at the 1999 & 2000 V70s, not the AWD ones, invest in a good set of snow tires if you're in a snowy climate, believe me I drove my 850 in 8 inches of snow and I didn't need AWD. They are definitely easier to work on your own, at least you won't have to take it to the dealership every time you need work done. You'll have maybe a bit outdated, but a better all around car, you'll save quite a lot of initial purchase.

If you'd like a newer car though, I'd look into the Ford Freestyle. It is based on the same Volvo P2 chassis that S60 and V/XC 70 are built on, and I believe has more head room so it should be easier to keep bikes upright in the back. I have to say, I was unexpectedly surprised with my wife's 2008 Escape (company car). It turned out to be a better car/small SUV than I gave it credit for. Of course, you don't have the build/ride quality (in terms of sound insulation) and amenities of the Volvo, but it is a nice car and when I have to drive to my group rides or centuries, I can fit my 56 cm road bike in the rear passenger foot well with front wheel removed easily. I hope this helps and I hope it doesn't come across as total negatives. I wanted to share my 8 years' total Volvo ownership experience.