Had a look at the insurance increase which would be applied to all the cars suggested by you nice people:
Grand Vitara V6 +£30
Cherokee TD +£50
Disco +£140
Hilux Surf +£275
Would love to look at the Surf, however that's a whopping increase, unless I go for an older one and spend the difference on insurance....
Been having a look on the 'net for info on Surfs and have seen nothing but good reports about.....also, on the plus side, there are at least 2 well known import dealers close to where I live.