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G'day John!
Relatively new myself. I guess it comes down to what you want to do with your vehicle and what you want from a car - towing, doing tracks or touring. Some 3lts do have problems but if you get one thats been well maintained then you can take some early action and make sure its going to last, i think changing round the oil catch can and some other bits helps them out - maybe check the forums i think there is a fair bit of good banter on here about 3lt vs 4.2 so have a geeze. 4.2's are a good engine with obviously better torque but will be a little more expensive on the fuel sides of things.
Not so sure about the intercooler. I thought those with an intercooler were all top mount with a scoop. Some blokes may have done some aftermarket mods and slapped their own on a TD42T (just a turbo model no intercooler) model and have either gone with top or front mount - proof is in the pudding with what the rego papers say about it - whether its a TD42, TD42T or TD42Ti.
Sounds like you have auto locking hubs? if so and you wanna lock them in properly for a 4B session then yeah use the wheel spanner to turn it to lock - you should see some little triangle indicators that'll show if its on auto or lock. Use auto for normal driving/2H and lock if your getting dirty!
Hope this sorta helps in a way, I'm sure others have much better information for you than what I've chucked up!