jonb: Thanks for the feedback, it seems like if choose wisely the TOC is about the same with a newer car, after the initial cost, with all the benefits of a modern car and being able to explore NZ more. As well getting up to ski field on a powder day, would be great to start 4x4 on easier tracks like e.g. Mt Bathans track and get to out of the way huts for tramping start points.
The Mercury scheme is hard sell for someone from a cheap car background, for like 10k a year would be well more than current car cost.
if you want a soft roader get a subaru with FA/FB engine. they are fulltime 4wd. cheap as to run.
most popular one is the outback.
there is one downside however ... and it's spelt cvt.
but you can't have everything ...