I own a 97 disco that is bone stock. It wheels good considering. I have taken it several times to Forest Lake with no problems, but in stock form I wouldn't do much more than that. As far as looking top heavy, they really are not. The center of gravity is pretty low. The top half is aluminum.
I hate to make it difficult for someone to sell their vehicle based on my experience, but mine has sucked some major money from my savings account. Right now it is sitting in the driveway, and has been for the last 2 months, based on an ECU problem. A new ECU is over $2000, so I had it rebuilt instead, but now have to send it back because it didn't work.
The dealers state that aftermarket parts do not work. You can't have the rotors turned or they squeek all the time, if you put non-factory brake pads on, it will set off the ABS.... oh yeah, the ABS sucks off road, as I am sure you know.
Hey, but if you are still interested, I will sell you mine for what I owe, and then I'll put that money into my 74 FJ40.