A wrap around rear for the Xterra would be more complex. That piece of plastic it will replace is big and oddly shaped.
Tire carriers may not look like much but they are very complex from a manufacturing standpoint and have many many pieces and parts involved, some of which are fairly pricey.
I could see a wrap around rear with a tire carrier going well over $1000, but I havent looked into it enough to do anything more than guess. I am planning to though, so dont write off the possibilty yet!
PS - that Disco bumper you posted is $1525 as pictured W/O a tire carrier!
