Is a jeep cherokee a good first vehicle?

thats all my dad looks at for me. well preferably a lifted on, but all my freinds have them we get stuck put it in part time 4 wheel drive and it just crawls outta what ever it needs to whenever it needs too. and its only going to be 40$ on insurance for me. What're the downfalls?
And also they all make a knocking noise. It's not a engine knock, but when i say anything about it they'll be like its a jeep, its aloud to make noised and all my freinds jeeps make the knock if its a wrangler or a cherokee
 
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