I am sure you could get a Chevy dealer to give you a 4x4 Tahoe with maybe Navigation and a couple other options for under $40k.

They have a base Tahoe and Avalanche (20" wheels) both 4x4 on Ebay for about $40k..

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2011 ///X5 M (On Order)

2009 X5 4.8 M Sport Space Gray/Black Fully Loaded

2007 GMC Yukon XL Denali Loaded and Customised