A few more thoughts and questions as I have done more reading and thinking.
1) 80 Series Cruiser fits the bill great (gas mileage excepted) but are rather absurdly priced.
2) Lexus GX and 4Runner more reasonable priced, but seem to have same limitations as my Xterra of limited lift options, max 33" tires. Do I gain much buying different vehicle compared to investing into the Xterra?
3) Tacoma-First generation with lift may have best break over angle of the list, obviously some less than stellar feed back earlier in the discussion on comfort. Second gen seems to have worse breakover, entry and exit angles.
4) Tundra (1st gen, access cab), V8 gives great power option, similar to Tacoma in many ways but worse departure angle because of longer bed. Otherwise possible my first choice for versatility.
So, I am now need to gain more insight into lift and locker options for each, including cost (suggestions on who I reach out to?) and see what I can buy as base to build from.