A couple of thoughts...
It sounds to me like you're basically describing a pickup truck with a cap or a truck camper. The main drawback vs. an SUV for what you describe is that you can't (easily) get from the cab to the back without going around outside; but you can easily get ground clearance, four wheel drive, a flat bed area, and all the other goodies you're looking for.
Vans, while rarely four wheel drive, do generally have fairly decent ground clearance--I think at least equal to that of a Subaru (albeit on a longer and wider chassis, so less maneuvarable and possibly less capable in that regard). I wouldn't write them off without at least doing a cursory check to see if they actually might be usable. Maybe you've done that already, and if so, please disregard this suggestion.
