i don't think it will save you money (gas wise) if you are going to replace it with an FJ Cruiser (there's nothing wrong with the vehicle) that use same MPG as your subaru. I meant is, why would you get out of the 24 months left on the loan and jump into 60 months loan....the subaru is almost paid off, stick with it- 24 mo's will go by fast but unless you can't really wait, go ahead and get an XR like what Crazzyboy said
but if i were you, i would wait it out. you have already invested time and money on your subaru, stick with it!