There is no such thing as the wrong truck, everyone has different tastes and every truck has its own quirks, problems and advantages. Every truck needs a few dollars spent in places to safe guard against problems, don't buy into the patrol, jeep and Lcruiser bullet proof rubbish, seen plenty break down and seen just as many need a snatch or winch to get out.
I'm thinking about the cape in a few years. I'm a young bloke, wife and 2yo boy. We bought the d40 for the room, comfort and its always easier getting the green light if the Missus likes the car too. I've got my lift but I am going to go a bit higher to fight the long wheel base bottoming out. Under body protection is a must and a straw for your engine. Other then that they are as good as any other IFS on the market. The more I take it out on tracks the easier I find I am getting past stuff, even things ive previously gotten stuck on.
It goes with out saying but ill say it anyway. Experience is a big thing if you haven't done a lot of 4wding or even if you have best to take the new truck out a few times to get a grip of what she does off road. Money can buy you the best toys in the world but if u don't know how to use em you'll still be breaking them or getting them stuck.
If anything a slightly more cautious attitude will often make you think about a better line or alternate way and less likely to end up in a situation where you are either not going to be able to keep going that way or save you from doing damage out of dangerous driving. I'd rather be called a pussy for taking the chicken track then explain to the Missus I busted up the car trying to match testosterone levels with my mates. That and then I'm usually in place to pull the idiots out when their done getting stuck.
My mates give me stick about my nav all the time ones in a jeep, another has a cruiser. Some of em do tackle obstacles easier then I do but guess who wasn't the one getting stuck trying to show off. It's especially funny when you see where they went wrong and put up the same place with out an issue. You didn't buy the wrong truck mate, just make sure your the right driver