Go test drive both, I like both i was considering a Jeep before ...but my family all drove toyota and they never let us down
i love my FJ, had it since 07, havn't done much beside oil change ...and swap out new tires...only thing i dont like about it is no available sunroof unless you custom...
in that case, i think westlake area in daly city has some apartment for rent around your price range and its not too far from the bart station, good luck man
Get a car bro, MUNI suck but BART is ok, you can bike here in the city but biking to san bruno is gonna be a pain...also you can surf in the SUNSET district area but the water is cold as hell ...