I have a 2.7 D3 which will turn 7 this year, and I have had it from new. And it has about 100k on it.
I have replaced
- lower control arms
- front wheel bearings
- compressor
- alternator
- thermostat housing
I have also voluntarily replaced the transmission pan with the steel pan and flushed and replaced the transmission fluid.
Will need to replace the timing belt this year, it hasn't reached the k's but it needs doing get at 7 years nevertheless.
I regard that as not bad for 7 years and it has done some quite significant tough rocky off-road work and some tough, hot touring towing a camper, so the control arms and bearings are probably related to that. The D4 has an upgraded compressor which hopefully may last longer than the D3 Hitachi ones did.
There are not a lot of mud terrain options, the widest you can go without modifications is 265/60/18. But there are quite a few good AT options. As above Gordon has a great list of options on his GOE site.

