How long have you had this XJ?
One thing about any model XJ is a whole lot of stuff can be repaired by yourself.
When I used to buy these from the Feds, I would replace lots of stuff when I got it. Fan belts, hoses, all fluids, shocks, tires, etc.
I would go through the whole thing one time. Still have two of those bought from the Feds in family. Gave them to the kids.