The problem is air bags, diesel and mpg and money.
Anything newer then 95 that will have the bags you want is going to be near impossible to make the $11k with diesel swap. Newer then 2000 impossible.
Personally....I LOVE air cooled VW's. I HATE water cooled VW's. Last good VW rolled off the line about 83. They haven't built anything half as problem free as a Toyota anything since then. I don't think I would ever feel good about the TDI.
Zuk's are cool but the TDI in a bigger Zuk is going to be a Dog.
I very seriously considered putting a 2L-TE in my 86 4Runner. It is a bolt in. and I live 30 minutes from
www.jarcoinc.com It was going to be $2600 for the half cut and then god knows how much time and other little things to make it work. I figured $3k as the bare minimum to do the conversion. The 1Kz are $4-5k. Doing the math over what it cost to rebuilt my 22RE I would have to drive the thing about 200K to break even on the fuel savings.....I plan to drive it a lot but I doubt I will have it for another 200k. Then we get into the whole problem that these motors were not offered in the US so parts are going to be a problem.
You are NOT going to save money doing a diesel swap in anything. It will in fact cost you more. If you are doing the swap its for the cool factor and nothing else.
If you can get over the diesel swap I would say you best bet is a light 4 door like a Rav4 or Vitara. You can make the money and features goal easily.
If you are set on the Diesel then the only way to make the money goal is find something like a 95 or older 4Runner. If you can find a 22R equipped 4Runner the 2L-TE is a bolt in. The only part that won't be plug and play is the harness. You will have to make it a left hand drive harness. Tedious but not hard.
Blown up 3.0 4Runners are pretty common for cheap. No direct bolt in diesel but you could fabricate the motor mounts and put the 2L or the 1Kz in it and probably stay under $8k.I think 96 was the first passenger side airbag. Not sure when driver side came in.