One thing I didn't mention is that I got this Montero Sport for free. Including taxes, maintenance, and repairs I am in to the thing $385. That includes timing belt/water pump, tune up, starter, front brakes/bearing pack. The valve guides were repaced under the original warranty. So i am already light years ahead with this thing on the reliability front.
Another option. Buy $100 beater wagon to haul boat stuff. Get Bilsteins and 32's for the Monty. Spend the rest on gear to make the family comfortable.