I agree ... given that the Titan's got the 6 on 5.5, and the 1st gen Xterra/Frontier had it ... as well as older Pathfinders and pickups ... I never could quite figure out why they went down to 6 on 4.5 ...
If i were to use wheel adapters/spacers, how much are we talking? I wouldnt mind if the wheels come outboard a little, as long as it doesnt affect suspension travel/flex when the wheels are stuffed.
You mean how thick, for the spacer? I guess the minimum thickness would be the depth of the studs on the Xterra hub ... I know some folks run 1.5" adapters, have heard about 1.25" spacers (like an adapter, in that it bolts to your existing studs; but keeps the same BCD) so that may be the thinnest. Then you have to account for any difference in wheel width or offset ... the spacer itself won't affect suspension function, but as I said it'll have the same effect as increasing offset or reducing backspace on your wheels. You'll be more likely to rub at the back of the fender, and if your new wheels are wider or sit further outboard than the stock wheels would, you'll be more likely to hit the top of the fender with the tire at full stuff. It's not going to be too hard to get the equivalent 3" additional track width, per side, that the Titan has over the Xterra with a combination of spacers and aftermarket wheels.
The stock wheels are a pretty narrow (7" or 7.5" depending on model) and pretty high offset & backspace (30-31mm and 5"-5.5", respectively ... if I remember right) ... so when aftermarket wheels are wider, and have less offset, that means they're almost all going to stick further out. And that's before you add the adapters to the equation. Now, that's not to say don't do it ... but I'd be pretty surprised if you could do it without having to trim the fenders. Best bet, might be to get a set of adapters and have a local trusted fab shop put some of those weld-on beadlock rings onto some stock Titan (or Toyota or other common make) steel wheels, as long as they are narrower and high(er) backspace ... or just put the rings on a set of the Xterra/Frontier/Pathfinder steel wheels (there is an 18 hole 17" black steel wheel available ... was the spare on trucks that came with 17" alloys).
Unless you meant how much $$$ ... in that case, I'm not entirely sure ... I'd guess anywhere from $200 to $4 or $500 for a set, depending on where they come from. Just be careful if you go for the eBay ones, as I've heard rumors about cheap studs and lugnuts bottoming out with thinner wheels (like steelies) ... actually the bottomed out lugnuts isn't a rumor, happened to a buddy of mine on the way to Moab and he trashed the BCD on one of his wheels as it moved around.
Sounds like a wheel adapter is the easiest solution. What brand do you suggest?
There's a bunch out there ... I talked to Fred Goeske at WheelAdapter.com when I priced a set for the rear of my truck, and he's a great guy ... classic gear head type, and really knew his business. He'd probably be able to get you exactly what you're after (if you want the thinnest possible) and his are also both hub and lug centric ... they're not going to go anywhere once properly installed. Plus there's the added benefit of supporting a small(er) US company that's a real 'mom & pop' kind of place ... if that's your thing. I think a set from him will run ~$400, IIRC ... but call to order, as I'm pretty sure all of Fred's stuff is build to order and he'll get you exactly what you need.
http://wheeladapter.com/nissan_wheel_spacers.php and
http://www.wheeladapter.com/contact.php
If you want to save a little bit, there's a bunch of guys on New X who swear up and down that the EZAccessory.com adapters are good stuff ... but I think that's what my friend had on his truck. As long as you're careful with the installation, though, they should be okay ... don't think they'd do any custom work, though. Probably more like $200 for their set ...
http://www.ezaccessory.com/Wheel_Adapter_6_Lug_4_5_To_6_Lug_5_5_p/6450-6550j.htm
There are others out there like adaptitusa.com and Google will turn up more ... but I can't comment to them, directly.