I did the numbers you can afford only a 40k car on full-loan. Details here. I don't recommend going for loan longer than 7 years.

iinm tax rate for 4x4 is cheaper there so might as well look for SUV/Pickup?

2006 Toyota Rush - i think this would fit you quite nicely, a small SUV with AWD, it is not off-road ready but good enough for uneven roads and roads that often get some minor flooding. Maintenance is cheap as it shares many things in common with Toyota Avanza. Should be common enough so you don't need to worry about parts and easy to service as it is a Toyota so any workshop can handle it.

2008 Nissan X-Trail - is also around the same price range but then maintenance would be higher as maintenance and parts for a 2000 engine is much more expensive than for a 1500cc engine (in the Rush). Of course the X-Trail is a better car overall with better AWD system, more spacious and powerful -- but might be overkill for your use and budget. I was told also Nissan is not well representated everywhere in EM.

40k new?

can't really buy anything bro the system is such that you'll just be contributing to the banks and gov for something that isn't worth it, not suit your needs, safety kit suspect....all because you want "new".....plus below 40k the only choices are Proton/Perodua....their warranties and "free maintenance" are laughable.

unless your family is supporting you to buy the car i'd suggest you buy whatever you want than whatever they suggest. talk is cheap.