Relax. A three to four year old car with only 27,000 KMS is not going to die on you tomorrow. Yes, you are out of warranty, but brakes and other consumables, should still have half life left yet. I would research your particular vehicle on various Jeep forums and watch for regularly occurring problems. The trick with any vehicle is regular and preventative maintenance. Address problematic areas in advance and you should avoid financial catastrophes. Lastly, don't cheap out with repairs. Spend the few extra dollars because it will save you down the road.