I'm also in the market for a late model XJ. I've owned three in the past, 96,98 & 01 Anniversary edition. I wish I never got rid of them for a SWB TJ. Now I am searching for a low mileage XJ. Found a few around, but dam they are stiff on their prices on the low mileage ones. Higher mileage one's 100K plus can be found around here all day in the 2-3k range.
Good luck in your search, I'm out there looking too!