[Desert Dan]

What are you driving now? Have you had a 4x4 before? If you not hammering it off road, costs should be similar to other vehicles in the size and type.

Go for the Lux and Adventure Package with Sunroof and if you want more power get an Alpha model

I would stick with the dealer for oil changes or do it yourself. On a 4x4 you have an extra diff and a T-case to include in the maintenance schedlue

The H3 is pretty heavy, so brake lifespan may be different than on lighter car but mainly depends on your driving habits etc. Automatics usulaly go through brakes faster than stick shifts.

The insurance rate isn't bad. I'm not sure what other people are paying.

People have had some issues but all that gets covered under warranty and I think the new warranty is 5yr/100k