Well, I live in Ottawa (rural) and I bought one in May 2007 (C package). I have had no issues with the vehicle except for a cracked windshield from a stone thrown from a gravel truck. No frame issues (but I'm not a hardcore off-roader so that might help). It fits me perfectly but depending on your size (i.e. if you are short), you may not like the visibility. I commute to work (in the city) with it and I get about 12l/100km on average (auto transmission). Fuel economy is no better on the highway (it is a cube on wheels after all). Yes it is thirsty but it's a truck and it's built like a tank (compared to a regular car). The X-terra is more practical if you have a family (4 real doors) but I had a Nissan before the FJ and never again for me.
The good:
- Solid build
- Comfortable (for me)
- Easy to clean (no carpeting)
- Good cargo space
- Can go anywhere (with proper tires)
The not so good:
- Somewhat thirsty
- OEM tires (Dunlop) are horrible
- Wind noise at higher speeds (highway)
- Twitchy in windy conditions
- No full time AWD on Auto
If I was to trade for a new vehicle now, I would get another one but probably have the tires replaced before delivery. The manual transmission is tempting for the AWD but you get a fuel economy hit and some people are having issues with that transmission.
The price is high on these vehicles considering the minimal creature comfort (no heated seats, no leather, no telescoping steering, manual 4wd engagement, no auto-climate control, etc.). The money goes to all the off-road gizmos (A-trac, rear locking diff, protection, etc.) and you are buying a niche vehicle.
I hope that helps and good luck.