I think you mentioned the biggest thing. You really need to DIY the car for it to work out. As others have said I find the modern Jaguar's to be good cars. But they are complicated and very low in production numbers.

It's MUCH harder to wring the problems out of a car that sells 20K units a year compared to 300K-400K units a year.

This list is another key to knowing what your in for. The cars are fairly old and most if not all the problems have surfaced by this time.
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These cars can be expensive, but you're getting into an older car that sold for 60k+ for a fraction of its original cost. And if well maintained, it's a head turner, as they don't style cars like this anymore. It'll be good if your handy and can find a good Indy mechanic who specialize in Jags. Check the regional forums for suggested mechanics in your area, and get a PPI.

Good luck and hope to see you back here.

 

We bought a 2004 XJ8 w/104K in San Jose, CA in 2012 and drove it across country in 2013 to NC to retire. No problems. Since then a few minor issues; water pump ($400), replaced all air shocks when one went out ($2500). The car is a dream and well worth a little TLC.

 

4 new air shocks at $2500-a great deal.
How are the rubber suspension bushings? They wear out at 50k miles?

I replaced them all and the ride is that of a new car.