I can help here
The MU is a good little truck. They are stylie, quick for a diesel, comfy and have all the mod-cons like airbags and abs if you get a '96 on model.
The biggest con of a 3.1 TD is that it is a hand grenade, kind of like the 2.4TD from the surf... they are prone to blow up... catastrophically. Unfortunately they are NOT like the surf in replacement cost. Where a 2.4TD motor will cost around $1000, a 3.1 TD Isuzu motor will cost about 4 times that much.
Hence why the next major mod will be bye-bye oil burner and hello 3.8V6
As for that 5-door surf thing, they are good value for money, and if you have the diesel tested before you buy it then do regular servicing you SHOULD be ok... They're no racecar, but hey...
I'm doing my mods because I'm mad... completely and utterly mad

Oh, and cos I could... I had an axle lying around that I needed to use before it got rusty

There are kits, mainly from Calmini in the US for doing some pretty nifty mods to the standard IFS setup... and if you check the Isuzu club website (
http://www.clubisuzu.com) theres a very strong contingent of Kiwi owners of the MU, and a few in Wellington which could be handy for you. There are lots of simple ways to make them far more capable offroad which are pretty easy to do at home.
If you do get one and want to sell your Rugger let me know... I might consider using its engine to repower the Hilux
Steve