Read these two threads.
IMO, if you never drive an SVT, you probably won't regret not buying one, BUT I highly recommend that you do drive one, you will love it. I bought an '04 after seeing it in the BST on FJ. I love it.
There isn't much about the SVT, or Foci in general, that you can't find here, or on FJ. For instance, there is a fix for the leaky SVT thermostat housing (I just ordered one for my '04. $115. shipped from Tousley Ford in MN., an FJ sponsor)
As was said above, the timing belt and attendant pulleys are priority one for these cars, and there will be a constant need for attention to something or other, so if you are going to be short of cash, this could become an issue with your wife. On the other hand, you deserve to enjoy your drive to and from work, so if you can find some twisties on Cape Ann, between home and work, you will usually have a smile on your face when you arrive. Good luck.