From my experience I would buy the one you can find and that costs what you want. They are semi hard to find in some areas.
Before I bought a 40 as a side project I was set on finding a white 6 speed and trading my current fj in, I couldn't find a white 6mt forsale anywhere in the country for 6 months. But then I decided I've had my fj cruiser from pretty much since it was new I m the second owner of it a 07 Trd mt6. I have done all the Maintaince I have babied it I know it's in better shape than any used one I could buy.... And I don't feel like paying for a new one. Didn't mean to get off topic
I have read and read and gone over my 07 fenders with a magnifying glass. I can't find fender bulges. I think it is hit or miss on the fender tears but from reading over the years I think a large factor could be how it's driven and if there's a winch bumper or heavy weight on the front, but even that doesn't always make sense on the tears. I remember when the 10s came out with new designed fenders people thought they wouldn't rip and they have had some tears as well.
I remember the earliest models had some problems with bad rear ends but I think that was fixed by 08.
If you are buying used test all the traction control and 4wd features. It's starting to look common that the switches in the transfer case go out mostly from my research it's from not being used. I hadn't put mine into LLow (or whatever the manual 4 low is called I forget) for a couple of years and then when I tried to activate the locker the transfer case sensor wouldn't tell the computer I was in 4low so all the traction control/atrac/rear locker/ crawl/ whatever wouldn't activate because the computer wouldn't let it engage without thinking it was in 4low mechanically the transfercase worked just the poorly designed sensor wouldn't work. I was lucky and after a month of tinkering with it and pulling my interior apart it started working.
Also if your looking for one with a lift check the boots to make sure they are not torn. You've owned one so you know what you would want
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