Just some basics.
The differences of 940 vs. 960 basically depend on the model year.
-1994 the 960 wagons were pretty much identical to a 940 chassis and body wise, while the sedans received the independent rear suspension (IRS).
1995+ the 960's did receive a facelift / interior upgrade + IRS, some different body parts and were badged as S or V90 for their final two (I think) years, 1997 and 1998.
Based on your description I guess you have a B204FT/GT engine, which were more common in certain European countries like Portugal or Italy with heavy taxes for engines with bigger displacement.
Unfortunately, that engine is unique in many ways or uses a lot of parts that the "standard" B230 do not share with them.
Since you likely have that engine, I guess your car is a -1994 model.
The easiest way to tell without knowing all too much is just look at the front.
If your car looks like the one in my signature, you have a -1994 and it's pretty much identical on the outside (minus the rear suspension if a sedan), if you have smaller headlights and grille, it's a late 95+ model.
1995+ model: