My most modest estimate of fuel mileage from a 3.3 cummins in my explorer will put me around 25-30 mpg. I am looking seriously at a 3.3, but the 3.9 has been around since our fathers were young and there is a crap load of information about them, while the 3.3has been around since only '98 or so. However, the 3.3 QSB will out horsepower and out tourque the 3.9 any day of the week when stock. But you're looking at about double the money on the 3.3 (it has a common rail and is electronically controlled) while the 3.9 could be had at around $1200 pretty easy, and adapters are readily available from phoenix castings.
Dora, that Explorer from your sister, my first question is, what do you plan to do with it?