It's not "bad", it's just that the SOHC 4.0L is a more complex engine, with all the stuff that makes it a SOHC design stacked on the 4.0L block instead of the simpler OHV design.
More complex means more stuff to break.
The timing and cam drive components just aren't that great. They are long chains with lots of friction points. You are just going to have a greater chance of issues when you have 3 long chains on an engine instead of 1 short chain.
Also as mentioned, the design that Ford used wasn't that great, either. Ford really just threw a SOHC setup on the 4.0L block to update the motor since it was cheaper than designing a new engine from scratch, and apparently they didn't have anything else to use instead. Like the OHV, the SOHC evolved through the model years and so the later models with it probably have a better motor in some ways than the first models that came with it.
The SOHC is a great motor in a lot of ways, at least for driving and on paper, but it's just more complex to work on, parts are more expensive, and you just need to be prepared for that stuff if you're going to go from a OHV 4.0L to a SOHC 4.0L.
If the timing/drive chain work has already been done on a motor or you have the time and money to pull the engine and replace those parts when you get a vehicle that has the SOHC, you can just replace the trouble parts BEFORE issues happen and save yourself a lot of hassle down the road.
You should read the SOHC timing chain replacement how-to theads and maybe some of the others to see what you may be getting into. If it looks like too much work or something you probably won't do yourself and might not be able to pay to have done, you can figure that you might want to keep what you have now.
If you can get an 02 that has timing/drive chain issues for cheap and fix it up, that may be a good way to go, if the issues haven't caused damage yet. Buying an 02 with plenty of miles that doesn't have any noise yet but which has never had a chain replacement is going to mean you'll be doing it as some point if you are driving it when it gets to 100-150K.
I can see the draw of a newer Explorer, but the first gen is hard to beat for working on, but even the various 4.0L OHVs in Explorers over the years have still shown to be dependable engines.