 I bought an '01 XLS 4spd in 11/01 due 
to the rep. of earlier Monty's and a 0% 
loan.  ~66k miles later despite a few 
faults I'm quite pleased.
The bad:
Needs more power.  Towing ~3500lbs of 
car/trailer I'm thankful for climbing 
lanes!  ~17mpg avg. w/OEM tires (~15 
now w/265/75LT AT's).
Excessive driveline lash.
Plastic 'skidplates'.
Resale is miserable, but I'll be 
keeping it.
Local dealer network sucks.
The good:
Not a single problem (I'm diligent 
about maintenance).
Brakes went ~55k and work very well 
(better w/aftermarket pads & fluid).
Great ride and handling.
Killer sunroof!
*Very* capable offroad, but I've 
installed real skidplates, 2" OME lift, 
and tires