I hope this can help, because I was in a similar situation, though I am currently 19. By the way, I live in Florida too!
I have always liked Land Rovers, and more importantly, I've wanted a 2004 Discovery for the longest time. I posted threads here asking questions to the owners of what they thought for someone young like me to own a Land Rover. All the answers came back basically the same; don't do it until you can assure yourself that you have enough money to do preventive maintenance and buy the truck cash. If not, you will be stuck with a monthly payment on something that is breaking down because you can't afford to do maintenance that the previous owner most likely did not do and neglected it.
I know you are between a Land Cruiser and a Land Rover, but maybe another option is plausible. I ended up getting a 1999 Jeep Cherokee Limited right when I started college thanks to financial aid refunds. Let me tell you, for being a full time student and working part time at a UPS Store, I love owning this truck because everything that is parts and upgrades are super cheap. The whole truck can be basically rebuilt with local store parts!
Now, just because it is cheap to own does not mean it is cheap everywhere else. It has a inline 6 4.0 engine that is bulletproof, and the drivetrain is great also. I just replaced my thermostat, water pump, radiator hoses, bought coolant, and a new radiator for all under $200.
To me, it is great because I am on a college budget and can still off road and build how I want my Jeep to be. I still like Land Rovers and really want a Discovery, but I think back to if I had one, I most likely would not be able to get it to the level I have my Jeep now.
Of course, you can bet once I turn 25, insurance gets cheap, and I have a good job and education, I will be buying a 2004 Land Rover Discovery!
BTW, this was my Jeep stock when I bought it, one owner, $3000:
And now with a 3.5" lift, 35s, 17" wheels, snorkel, bumper, etc: