I bought my 4x4 XE Xterra used in April 2002 w/13,000 miles on it, it had been a rental car. I now have over 90k miles and the truck is running solid, the engine and transmission feel tight and it still looks great. I've hauled a 3500 lb trailer about 3k miles. I haven't had a single problem with this truck. In my opinion the Xterra is the Civic of SUVs... it's not the quickest or most swank but it holds it's own especially for the price.
Reliability, looks, seats are comfortable.
The 3.3L V6 is a bit underpowered for the heavy truck so acceleration and gas mileage aren't stellar.