First, You need to look at a car that gets really good mileage driving that for every weekday. Dead Link Removed I have some High spirit MT's that are made by Kelly-Springfield that I love. They are a little noisey but I don't think they are too bad. Mine are 31X9.50's on 15" rims(92 xlt). They seem to do really well so far in mud, but I haven't had very many chances to get off road yet. I would recoment MT if you are doing hill climbs.
Hope this helps.
ChrisW