think i found the cold squeal at 10:30 last night (cause why not work on the car right before going to bed). alternator belt had over 1" of deflection. adjusted the alternator to tighten that up (which is an unnecessary pain in the ass if you ask me with the stock adjuster bracket, thanks Volvo).
When i fired up the car this morning to go to the local Cars & Coffee meet, it fired up with no squeal. hopefully that was it and the noise is no more going forward.