I purchased the XLT with about 50K miles and am happy to report that I am now at 155K. Overall, it's very sure-footed in the snow and roomy enough to haul the family and the dog. On the down side, repairs in the last three years have been major. I've replaced two fuel pumps in 5 years, the rear differential, put in a new transmission and am now dealing with intermittent, unidentifiable stall/start problems (the car stalls while driving down the road and/or refuses to start for hours but no one can seem to find the problem- leaving me stuck on the road with no warning). The truck has received routine maintenance religiously and has never been driven off road.
Roominess, handling in snow and poor weather, overall design.
TSB's suggest there have been numerous problems with Ford transmissions and electrical/ignition systems. I seem to be the unlucky recipient of both!