The Fortuner 4x4 is a great vehicle, very capable off road and an excellent tow vehicle. There is currently a special of about R50k off the 4x4 Fortuner before the newer spec arrives sometime in September. Some Fortuner owners prefer the current model over the newer one.
There is a problem with the hijacking of Fortuners & Hiluxes up in Gauteng. Apparently the bonnet gets opened up with a crowbar and the alarm cable gets cut. You can do a DIY or toyota can put in something to prevent this for about R200. Check the 4x4community forum. Here in Cape Town we don't have this problem & I don't have a problem with insurance premiums, in fact I have a very reasonable premium on mine.
I have the 4x2 3.0D4D and wanted to upgrade to the 4x4 a few weeks ago. Due to personal reasons I couldnt get a better the interest rate and decided not to go for it.