There are pros and cons to both types. If we talk about "breaking" the thing then the seperate chassis will win out on repairs. I ended up with a bent chassis on the '82 Cherokee and it was replaced under insurance. Cost about 4k all up and I still have this Jeep on the road.
However, if you bend any part of a monocoque chassis it's replace the vehicle. They can do a stretchy/pushy/bendy job on the thing to get it straight again, but it will bend again in the same place in similar circumstances. There are a number of monocoque chassis vehicles (no brands mentioned!) sitting in wreckers yards with bent monocoque chassis from a difficult recovery with a winch! Winch mounting points bent the front of the car!!!
This could also happen to a ladder chassis - but it can be replaced... Found a bit of rust in my CJ10 chassis - no probs - palte and weld and it's still as strong as.
But I do like the light kerb weight of the newer XJ/ZJ.
I think that's almost 3c worth