Dear @Lawrence_Chehimi the total expense will not stop at 9 to 10k. Its better you leave the suspension of Xterra as stock. I drive my Xterra onroad and offroad in stock condition. To be frank the car behaves ok even as stock condition. I have not cut my bumpers too. As it is the Xterra has good ground clearance. For the sake of a lift of probably upto 2.5" let me tell you what you will encounter. When you lift up the car you need to change the upper arms which is around 3000 AED. The wheel spacers, the wear and tear on the axles and the wheel bearing. And at the end of the day you get a car whose center of gravity has gone up - prone to roll overs. Xterra in stock condition itself is a very able car as Dr @M.Seidam has put it. Just like him I also changed my stock shocks (mine is not Off Road version) to Bilsteins. A skid plate, and radiator bracket reinforcement and a flag mount is all what I have done to my Xterra. Ohh yes I changed the tow hooks too. Never experienced much headaches from the car so far. Yes the off road version has rear diff locks (electronic) but understand thats at the cost of km/l as gear ratio is slightly different. Not much. 1 more problem with rear diff lock versions are if you bust it, its very difficult to source the second hand same version differential. Please understand Xterras are now ageing vehicles. The last 1 came in 2015. The good quality of the car is all parts are available 2nd hand at unbelievable prices. I haven't seen any other car which had a nasty roll over coming out of the garage after spending just 3500 AED which includes painting. Most of the time a roll over means the car is a total loss.
Anyways upto you to lift your car. If you feel its necessary for your off roading experience please proceed. But I wouldn't advice to change the dynamics of the car.