Mal,
You don't say wether you are considering new or used - I had a 99 Terrano 2.7 Auto with all the bells and whistles but I think you can only buy a new one with manual transmission. You obviously like the Terrano but have you seriously considered other models. I put about 60K miles on mine and grew to dislike it for many rasons the chief being vauge steering, cramped interior, poor ride and poor economy.
I have since found that Shoguns, Troopers and Landcruisers do the job so much betterand are durable and dependable.
I have become an import fan because of the price/condition advantages and have experienced non of the "high insurance cost" or "difficulties with service and parts" that some misinformed people would have you believe are a bugbear with these models.
Have a look at an Pajero or Bighorn (Landcruisers and Surfs are excelent too but more expensive)from a reputable Importer and you will be amazed at what you can get for the money - Auto,Climate control, adjustable suspension, cruise control and low mileage - plus you don't need to go in convoy with your Breakdown organisation when venturing further than 10 miles.