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Go for both, get a commercial Disco :P Not too difficult to manouve once you get used to it. Took me a while before I stopped trying to look through the non-existant rear side windows! I believe they are due to start producing a factory Commercial version of the D3 shortly too, though that's quite possibly going to be a bit on the steep side for what you're after!
As for insurance, I could have actually insured my Disco van cheaper commercially (including private use) than I could for just personal usage, but the drawback was I'd have to pay the full premium in one payment. Was getting decent quotes until I saved myself the hassle of selling my car by spinning it on the A44, hitting an embankment in the process.
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