It's time for us to look at replacing my wife's aging WJ Grand Cherokee. We started looking at the Xterra, but eventually ruled it out. She likes the 06-07 4Runner, particularly the Sport Edition in black, thanks to the mean looking hood scoop. It reminds her of the Tundra she was driving when we met. We have a line on a 4x4 v8 that we're hoping to look at today. The problem is that these trucks are just over our stated price range, though attainable if we choose.
A search on Autotrader of vehicles in our price range turned up an XC90 that seems to have looks my wife appreciates. It's catching her eye, and while I like Volvos, I'm not as confident in the reliability of an XC90 over the 4Runner. As a new truck with factory warranty, it'd probably be better suited to our mostly paved lifestyle, but used, I fear it will put one foot in the grave sooner. There's a BMW X3 I'm curious about, but my feelings there are similar.
I realize we're comparing a truck to a crossover, but for the day in, day out city driving, three-dog-hauling, what would fare better? We occasionally pull a U-Haul, enjoy outdoor activities, use a bike rack from time to time, and hope to buy a kayak or canoe soon. We're probably signing up for years five through twelve of these cars' lives, though my wife feels more like she'd want to keep the 4Runner longer.
Any insight on these two trucks?

