+1
Also 2000-2001 had a crack prone cylinder head that was fixed in later years. With that said, I owned two 2000 model year Jeep Cherokee XJs with the 4.0L. Neither of them the cylinder head cracked on, and one I owned for over 10 years and 150k miles. I did help a friend swap the cylinder head on his 2001 Cherokee and it was honestly a weekend job with hand tools. I wouldn't exclude a 2000 or 2001 out of my search if it had a clean frame.
Thanks. I see a 2001 for about $15K with 85K miles in Oregon, but not sure that means rust is likelier or not. I can ask that dealer to send me undercarriage photos. The 0331 head does seem problematic, but also as you say, things could be fine with it.
