Well this couldn't have worked out better. Found a 2001 Grand Cherokee, 128k miles, same owner for the last 100k, the guy died and his wife wanted to move it out. She had 10 years of records, he did a lot work in the last 2 years, tie rods, battery, blower motor, radiator, ball joints, brakes, and who knows what else. Got $3,188 from the insurance company for the totaled Explorer Sport, got this for $2,800, will pay $170 in tax, title and license, need a key fob and have it programed for $75, need a set of floor mats and some foam to rebuild the drivers seat, and needs an oil change. By the time I add it all up I'll be within 20 bucks of my insurance payout and I'll have a car the exact same age, 30k less miles, in as good, or better condition than the car we lost.
Just one more thing to be thankful for this Christmas season.