I've only ever had light scaling that was easy to poke out, plus I wanted to get the boat back into use as quickly as possible. I have heard of soaking overnight in "Rydlyme" marine descaler but never felt the need. As long as you have a new set of o-rings to put the stack back in with a good seal, I'd say go for it because then you have the comfort of knowing its been done. For your elbow - that's pretty severe. The surveyor should know these only last 10-15 years max so should be swapped out at this stage. How does the raw water pump and piping look? The pipes can go a bit hard and split, especially if the hose clamps are overtightened and dig into the plastic. Its a nice job to change them all. The pump seals go and need changed when you see a drip coming from the tell-tale begin the impeller housing. If left too long the shaft scores and you need a pump overhaul (new shaft and bearings) although there is a cheap fix using a twin- lip seal.
Do not go to a Penta agent for your O rings, it cost me £64.00 for the set of 4. I'd have refused to pay but I wanted to get the engine back together as launch day was approaching, I'd lost one of the original rings so couldn't re use them (not that I wanted to).
As for the heat exchanger Once the ends were removed (which meant Exhaust elbow, air filter and coolant reservoir to on my D1-30) there were bits of old impellers that I removed that were partially blocking the exchanger and then gently pushed it out from the back forwards.
I soaked the exchanger in White vinegar (54p a litre) overnight and then used a piece of flexible plastic covered curtain wire to push any stubborn bits through. According to the workshop manual Volvo suggest you dump the old exchanger and get a new one for £999.00! versus 54p.
My hose split just above the raw water pump when I handled it (fortunately on the hard) so I've replaced all the sea water hoses on my 2008 B34.
My pump seems ok but will keep an eye on it, I'd like to understand more about your cheap fix re twin lip seal.
Update 5/8/22: Noticed there was a asmall pool of water a few days ago under the raw water pump. After wiping the pump dry, the drip was coming from behind the impeller. So it looks like the water seal has gone. Sent for a replacement (2 seals + gasket £10) what was sent was too big. Asked one of the marina boat yard guys where I might get one locally. He pointed me to a small 'O ring and seal" shop (East Anglian Bearing Service Ltd, Ipswich). Two seals less than £5! Tried to remove the old seal using a wire and poking it from the holes in the back, couldn't shit it so put a small diameter but long screw carefully into the old seal and gently eased it out. he new one was bugger to insert, used the old seal on the shaft behind the new one and the a socket over the shaft and pushed it as far as I could. But it wasn't in enough so ended up using a hammer to get it home. Glad I used the old seal as a buffer as it was distorted when I removed it. But the new seal was in place.