Right, but I reeeaaallyy don't want a standard sedan.
I did some more searching and comparison, and found out through my insurance company, I could get the Scion (with features making it close to 20k MSRP) for under 17k, or the way I had it priced for around 15k. While the look of the xD on the outside isn't all that great, it's pretty nice on the inside, and that's all I really care about. No need to show off.
Also, as for depreciation, I was planning on getting GAP insurance. Off-road also isn't a huge concern for me, so not to worried about that.
But there's still time before I actually make a solid decision, so I'm going to keep doing research, test drive some stuff, and try to find a cheaper Jeep. The one I was looking at was a no go, but I found a 2006 wrangler unlimited with under 40k miles for 17k, closest I can find to a decent deal (for a jeep at least)...