Point 1: I too had an 02 Explorer....worst car buying mistake I ever made....traded it in for my 03 Xterra.....best thing I ever did, though I did take a bath on the trade in.....
Point 2: 4X2 vs 4X4....weigh you're options then YOU decide if you think you will need it.
Point 3: Use the links provided by DocNo....he knows what he's talking about.
Good luck and welcome!
BluRdgX