Purchased the car in August 2004 new.
In May 2006, at 22,000km, the front right wheel bearing had to be replaced due to pulling to the right.
In December 2007, at 40,200km, the front right wheel bearing had to be replaced again due to excessive tire noise.
I like the car. It is comfortable and very responsive.
Wheel bearings may be an issue. My base model TI Xtrail 03 owned from new and serviced regularly (Melbourne, AUS) has just had to have BOTH front wheel bearings replaced at 57K. This car is used very rarely under load and with a gentle female driver. My brother's Ford Falcon 1 tonne cab chassis has racked up three times the kiloms under 1 tonne loads without bearing failure. If your Xtrail gets noisy without the drive train engaged, it'll be the wheel bearings.