Personally steve i'ved worked on alot of cars, and owned alot and if i was getting a reliable DD for my wife, that got in alot of accidents too, Id go for a Subaru.
They have one of the highest re-sale values for a good reason. They have amazing crash ratings, great gas milage, powerful 4 or 6 engines, handles nice and the AWD is the best in the biz. Plus they last forever, my friend has one with 325,000 miles with no major maintance.
They are comfortable and handle nice. When it comes to snow my Moms outback does better than my 4runner, it just plows through stuff. Hers has had no problems and it is a 2000.
Im not saying a 4runner or FZJ 80 are bad choices but gas milage in a 4runner, FZJ 80, WJ,ZJ, or XJ are going to suck.
I drive a Mazda 3 for a DD driver to work, its my wifes car, and going from the 22mpgs i was getting in my 4runner to 33mpgs was very nice saved me tons on gas. It has never left me stuck or stranded yet
just my 2 cents