Mine does two jobs - commuter and bush vehicle. Family car duties are taken care of by our other car.
As a commuter....well....its a little large. But thats because I have mine configured as a bush vehicle.
As a bush vehicle, I can't complain.
I've owned something like 7 4wd's now, and the D40 does just fine in the scrub. Its no rock crawler, but thats not why I bought it - its a solid and reliable tourer that handles beautifully on the tar, stable and secure on fast dirt, and does quite nicely in the slow stuff.
Fuel economy on mine suffers a little due to the equipment installed, however that being said, early 12's per 100km is hardly terrible so I'm not complaining.
D40's have, in my opinion, currently the best cabin in-class. Good sized tub, good access to the back seat, handy features like the folding rear seat etc...
Some people complain about the sluggish bottom end torque, but horses for courses - can't say it causes me a problem. And that is running a manual transmission and 265/75 tyres. Each to their own I guess, and as I have said in the past, everyone has different expectations and vehicle history and aren't used to the characteristics of torque delivery of small capacity turbo diesels.
As I've said, I've owned a few 4wd's and all of them have required extensive work to make them bush-capable. The D40 is no exception. I'm still working on mine, and will do so for a while yet I guess - there is always something you notice and think "Hmmm....what can I do to improve that..." It's part of 4wd ownership. Good example is sump guard - I didn't buy one off the shelf because all the designs I saw reduced clearance around the cross members too much for my liking - so designed and fabricated my own "bomb proof" model. Am going to work on a fuel tank plate for the original plastic fuel tank one day too....and something for the ABS lines on the rear axle. All in between hunting and fishing trips and time with the family...
But my thoughts - D40's are like pretty much every other civilised dual cab - a semi commercial vehicle that can be a jack of MOST trades, but a master of none.