Affluence is not the issue here, there armor competent off road vehicles available for less and more competent on road vehicles for less. It seems like this jeep takes a lot of the negative aspects of the compromise without many of the positive aspects.
Here's your mistake: a 2wd 2016 Cherokee is no more a competent off road vehicle than any other 2wd fwd cute ute. This one happens to wear the Jeep name.