Buy the 2000, don't listen to the nay sayers.
My 2000 XJ has 138K miles, daily 50 mile round trip commute.
Frt driveshaft vibes, rebuilt at 75K miles
Drivers door regulator gave up the ghost at 80K miles
Replace O2 sensor at 102K miles
Replaced Battery at 5 years
A/C compressor gave up the ghost (@ 95mph) at 132K miles
The water pump is just starting to weep.
Maintenance has been change the fluids annually, every spring. I replaced the hoses and belts once at 50K, I guess they're due.
I replaced the spark plugs once, at 50K miles, hmm...I guess they're due also.
My sister's 2001 has 128K miles.
It has a noisey transfer case. Can't think of anything else gone wrong.
I wish the frt axle wasn't low pinion, but I don't wheel hard. If you're looking for a carefree vehicle, well there are not any.
Good Luck,
Tom