A couple of things to consider (in my humble opinion):
1) Getting 34 MPG is definitely a bonus, as you would get roughly half that in the LC. What will really matter is how many miles you average per week. If you are close to work, it wont really hit you that hard, but if you have a lengthy commute, you will notice the increase. I went from a 2001 4Runner which averaged around 18.5 MPG to the 2009 LC which seems to average around 17 MPG, so it has not been noticed in the wallet.
2) Insurance varies obviously, but I believe I pay around $90/Month for my 2009 so you will likely see a pretty decent increase in cost per year.
3) That price seems pretty reasonable for year/mileage. I bought my 2009 back in October with 97k for 33k (included shipping the car to me, bought out of state, sight unseen). I think i got a pretty good deal, as it had just arrived at the dealership, and was a 1-owner with PERFECT service history. We would all like to physically inspect the cars we buy, but the service history and detailed pictures gave me enough confidence to pull the trigger, and I have not regretted it for a minute. These cars are few and far between, and others around my area in worse condition and higher miles were priced 2-3k higher on average so it made sense for my situation.
4) Buy it, and if you don't like it, or aren't satisfied with the mileage/additional insurance cost, sell it in a year when you have it paid off. Like someone else said, you'll probably get the same price for it then that you pay for it today (or close to it). I bought my 2001 4runner with 98k miles back in 2008 for around $12k and sold it a few weeks ago with 240k miles for $6k. Not bad for around 8 years of amazing reliability and adding around 140k miles to the clock! (Fairly irrelevant, i know, but my point is that these Toyota SUVs hold their value like no other vehicle make that I have seen)
5) It's hard to beat the feeling of owning what you know is one of, if not the single-most capable vehicle available. The refinement of the 200, coupled with the dependability and off-road prowess are second to none. A lot of people (they don't know any better) will think you are crazy for spending that kind of money on a vehicle that is several years old and with that amount of mileage already on it, that is, until they go for a ride in it when you are driving them to pick up their car from the shop....