XJ, take the money saved and build to your hearts desire. The only criteria is the year, last was 01, or go with the Grand. Here's a Grand.
http://www.cargurus.com/Cars/l-Used-2004-Jeep-Grand-Cherokee-c2391#listing=110090615
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Yeah they're definitely affordable and capable trucks. The milage though, that's what get's me -
https://www.fueleconomy.gov/feg/bymodel/2005_Jeep_Grand_Cherokee.shtml
The v6 is guess wouldn't be much worse than a Montero Sport, but that was already on the lower end of the fuel efficiency spectrum.
Thanks everybody the great suggestions. I'm still unsure on what my priorities are, but I've pretty I'm at least aware of all the options at this point.