My 2020 had the rattles with B&W. And my 2021 has the same rattles with B&W. The speakers are amazing. But not only are these late models, the 2021 has the slightly upgraded speakers (the gray color, not the yellow). Aesthetically, I miss the yellow. But there is zero difference in the annoying rattles. Same cause, same places. It's very disappointing.
Side note, on the 2021, I've had the speakers cut out after a loud "pop" twice within 1300 miles. No more sound anywhere. Except the bass...I could subtly hear it. No sensus sounds, no turn signals, parking sensors, phone, etc. Since Volvo's software update, I've had a loud "pop" several times, but audio continues. It's startling and I feel crazy to think this, but every time this happened I felt static electricity. The hairs on my arms stood up within the second of the "pop" sound. Sounds like a blown fuse, or worse, a shattered windshield or sunroof.
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This matches my experience exactly. I had two XC90s with B&W (well, one mine, one my GF's), 5 years apart in models (2016 and 2021) and, despite the re-design, they have the exact, same, rattle, in the exact, same, spot, at the exact, same, frequency. In both cases, multiple visits to multiple Volvo dealerships did not solve anything. All of the techs acknowledged the rattles, but responses varied from "I don't know how to fix this," to "It's normal, they all rattle."
So I do question how "normal" or "abnormal" this all is. I am sure not all of them rattle (although I have not heard one that does not). But the chance of getting one with rattles is not negligible.
When my GF was buying her car, we did not want B&W. Even the dealer acknowledged that it rattles, but we had to wait three extra months for the same spec without B&W - we were eventually able to negotiate and get it "for free" - yea, I know, it's never free, but ok. Nevertheless, I'd rather have the base system.
We had the "pop" once, in 4k miles, followed by a complete loss of all audio. It's scary as all hell. Super-loud, I was convinced the windshield had exploded, or something. It happened in the first 100 miles and has not happened again. The dealer shrugged it off as "stuff that happens."
I will stop, I know I am sounding like a broken record. But it is frustrating - on one side, I have rattling speakers and the dealers are not doing anything - even claiming it's normal and inevitable - and then I come here and read about how the problem has been solved and it does not occur anymore. But I realize that posting about it won't change anything...