You came to the right place. I suggest you to definitely get the Lexus. I know NY has been through a lot, and everything is expensive here...but safety comes first. I understand your situation and I think the Lexus SUV LX series especially is built not only strong but also smooth and luxurious. American cars will of course save you gas, but I guarantee you, they dont offer you what Lexus does. If you have more info on the car : mileage, pictures, past history and the price range, dont be afraid to share it with us.
This is the information I found to be most useful for the LX450 1996-1997
Fuel Type
Regular
MPG (city)
13
MPG (highway)
15
MPG (combined)
14
CONS
The LX450 is missing some of the creature comforts available on most modern SUV's. Although it was an option, most of them don't come with heated seats. They don't have the modern navigation systems. They don't have a compass or outside temperature reading. In addition, it only comes with one cupholder.....very odd. There is a slot over the radio where an additional cup holder can be added and you will need it. The cupholder can be purchased from www.sleeoffroad.com (no affiliation, etc.).
The LX450's motor is a little underpowered by current standards. 212hp and 275 ft/lbs or torque is what you get from this 4.5 liter straight six. It's not bad, but certainly less than most of its modern competition.
PROS
This thing is built like a tank. It will require more standard maintenance than most, but if it is well taken care of, Toyota/Lexus designed the vehicle to go for 300,000 miles before needing major work/overhauls. You'll feel like this is the most dependable thing you've driven.
If you actually take your SUV off road, you will not be disappointed with the LX450. It is more capable than probably 90% of other SUV's in its class. If it comes with factory lockers, that probably goes to 98%.
Nick