IMHO XJ's are POS. But having said that I would love to get another one. They drive great across the local roads around here, and our roads are bad, real bad. If I get another I really hope that I can bring myself to just drive it, and not worry about problems it will no doubt have unless those problems keep it from going. IMO you need to decide if you can just drive and not worry about fixing things that will be ok until they get really bad or whether you want a good XJ and fix all the issues and beef it up like most of us on here are inclined to do.
The bug got hold of me when I had my old 98 and I spent $8k plus on mods. But I used it for off-roading something I don't want to do if I get another one. I am building a house as an owner builder and my priorities have changed significantly to when I was married, living on the mainland with a good paying job and could splurge on an old Jeep. If I get another XJ I am planning on doing the latter. Just buy it cheap as possible, spend nothing on and if it has a major mechanical breakdown, park it and use it as spares for another one. Going XJ's can be bought for under 500 bucks and not have a whole lot more problems than a $4k one. That's just my thoughts on them. Some will disagree but IDGAF....
Regards A