I've had a 1999 Arctic Cat 500 4x4 for just over 2 years now and its been very good to me. It starts every time I go out and push the button, even after it has been sitting for a couple of months. Its a little down on power but its manual shift with an auto clutch so that helps make the most of the power it has. I have a 5 foot Tusk plow set up on it and use it for plowing the driveway and plowing a track out on the ice for us to ride our trikes on. It does everything I ask of it without a problem. Its basically a re-badged Suzuki so there is no problem with reliability. I still prefer riding my 350X in the woods but there is something to be said for a newer machine with electric start, 4 wheel drive, and reverse. The AC's like mine can be had relatively cheap and they are simple to work on. I picked mine up from the local AC dealer for about $1200, it needed ball joints and shock bushings but other than that it was ready to ride. If you're looking for a 4x4 on a budget I don't think you can go wrong with a machine like mine.
John
1985 Eddie Sanders ATC330r
1986 Monstecate
1984 ATC70 (awaiting 125cc transplant)
1984 ATC125M
1986 GSXR 750 - Keepin' it old school!
1999 Arctic Cat 500 4x4 plow machine
1999 Arctic Cat Thundercat 1000 (lake lizard)
1996 Arctic Cat Jag 440 L/C (ditch banger)