2500 isn't bad for a newer XJ like that. The issues you mention worry me, but the price is well below what I would think a 2001 would go for. With that said, that might be a huge sign of a underlying problem. Or you found yourself a good deal. I know I am not really giving you an answer here. Sorry, but I would have to see the Jeep in question personally before I could really speak one way or the other.
A solid jack, and a good set of wrenches are all just part of the investment in owning a Jeep.
2001 XJ 3" Rusty's aal, 31x10.5 Good Year Authorities Powertrax No slip Locker in the rear