I owned an XJ as my only vehicle for a number of years, and drove it for about 90k miles. It was an inexpensive, simple, reliable, dependable vehicle. IMO, the following was it's biggest drawback:
My other issue with it was in inclement weather. It had no issues when in 4wd, but with just a little snow, it was practically useless in 2wd. I've been considering purchasing another XJ. If I do, I will likely swap in a 242 if not already equipped with the Selec Trac system.