More information is needed, spend about $51k on the Obx and you can get your heated seats, painted trim and mini-van tires.... where an extra $1k gets you a Base Sasquatch with better axles front and rear, beefed up steering rack, better shocks with lift, 35" tires (and gearing), front locker...
Pretty much like my 2 replacements ($1050). Then my rates went up over "comp claims over $1000". I figured if I ever needed another replacement I'd see if I couldn't somehow get it under $1k. I'm also Progressive.
The downside it's loud, gets horrible gas mileage, the flat windshield leads to lots of chips/cracks, the towing capacity of a Rav4, a trailer is an awful substitute for a truck bed. At 100k miles, I love mine.