'95 V6 will be the OHV (pushrod) 4.0l engine (eighth character of the VIN will be an "X". The SOHC (VIN "E") V6 didn't show up until later years. Of the two V6 motors, the OHV is more reliable. It is less powerful (160hp vs. 205hp).
Fuel economy with these beasts is all about axle ratios, tire sizes, and how you drive. I routinely get 21mpg on my '94 with the OHV motor. A '95 is more aerodynamic and can manage the same or better. If you haul a family or full load, and/or want to tow anything, get the V-8. The OHV is a decent motor and will deliver about 20% better fuel economy.
The only serious gotcha that I look for on the OHV motor is valve noise. That motor really wants to be run on 5w-30 oil in northern climates. Running 10w- results in poor lubrication of the rocker arms. It will take tens of thousands of miles for the rockers to get noisy, but by then the damage is done. People try to quiet it down by running thicker oil, thinking the noise is due to low pressure in a high mileage motor. Only makes the problem worse! The best way to buy one with a good OHV motor is to hear it start when the engine/oil is cold. If there is rocker clatter at idle after the engine starts, you will know the cause. Doesn't mean it is not worth buying, just makes it a point of negotiation. Also fine to buy one that has just been repaired, as long as you start giving the right oil. Even better is to find a one owner rig and learn that the owner took care of it properly...
Other differences -
Not counting 2WD models, V8's are all AWD, V6's are on demand 4WD.
