More $0.02 worth . . .
If you truly want something to cover a wide variety of uses, the 1999-2004 Grand Cherokee (the WJ Jeeps) would seem to be worth investigating. They are a convenient size, perform and handle OK, and in Limited trim offer lots of goodies that make them comfortable. But they admittedly lack both the sophistication and reliability of something like a 100-series Cruiser.
Here's the thing, though . . . they don't cost much. Like not much more than half of the Cruiser price. I've had both a 2000 WJ and a 2000 LC100 and while there is a difference, it's possibly not worth the price difference. I'd look for a 4.7 V-8 Limited with QuadraDrive II. This traction system is all computerized black box and you don't get anything to say about when you're in 2 vs. 4-wheel drive nor anything about what gets locked up when. But check out how highly Tom Sheppard thinks of the system in
The Vehicle-Dependent Expedition Guide. It's not a great wheeler drivetrain, but it strikes me as an excellent choice for overlanding in the areas where you're likely (Chrysler bankruptcies notwithstanding) to be able to get repair help if its electronic brains go wacky.
I wouldn't buy a cheap one, though. I'd look for the best combination of low mileage and condition. Edmunds.com says an 80,000 mile 2000 Limited with all options in "outstanding" condition would be $8K in a private party sale, which seems pretty reasonable.
Should be a reasonable commuting daily driver; mine had good HVAC, acceptable radio, etc. You can expect mileage in the 17-19 range if you're just cruising at 65, but figure more like 13-14 if there's a lot of stop-and-go. (Still better than a Hundy, which is 11-12 in the same situation.)
Incidentally, I think the information at the WJ Jeeps website:
http://wjjeeps.com
is pretty helpful. That's the best place, for example, to learn the differences across model years and trim levels.