Bought used from caring owners at 72K. Now 108K. No major problems. Average mileage for 90's SUV (12/17, driving it easy). Rough ride on bumps, but has smooth acceleration/power. Repairs - had to replace hood support struts and the AC condenser. Finish has faded on plastic trim all over (front grill and especially on rear pillars on either side of rear glass). The seat incline lever on driver's side is positioned poorly and broke after being bent numerous times during normal entering and exiting. Rear passenger power window quits working occasionally, then begins working again. Good sound system. No water leaks, no wind noise. 4 WD OK, but binds when turning hard.
Reliability. It never left me stranded - more than I can say for my other vehicles (Infiniti, Toyota, Dodge). If I have to go out on a freezing morning and try something, I'd bet on the Ford. Sound system. Heater. Temp/Compass. Though rough, it has good "road attitude" (handles well in traffic).
Trim finish (especially plastic), overall gas mileage, suspension. Electrical.