We're getting a 2008 Jeep Liberty Ltd with 17" wheels so it is Trail Rated?

The 18" wheels on the Jeep Liberty are not trail rated according to Jeep's website. This is for a few reasons (likely the strength of the tire side wall). In any case since that is the problem, the solution is to put on another size tire. The 17" are "Trail Rated" and so the vehicle would now comply with Jeep's Trail Rated certification.

As for the paint colour issue, since you started out asking for Jeep Green, then moved to red, now finally to silver, I suggest you settle on one before the dealer and/or your husband decide to just paint it plaid! :)

Wait until the color you want is available with the options package you like. Libertys are Mall Rated. If you want Trail Rated buy a Wrangler, not the 2 wheel drive one though.

Is it too late to swap for the 16"?

After 16", tires sky rocket in price. And remember, 4x4 means "all tires must be the same". So if you get a blowout, and cant find the exact same tire, you need to replace all four. 17" inch tires in your size 235/65/17 start off at around $175 a piece for budget dunlops, and work there way to $200 a piece for michelins.

But if money is no option, then yes thats a nice option.

It should be trail rated as long as its 4x4 I believe.

Unless you are going off road, and I don't mean a gravel road or parking lot, you don't need anything "trail rated". And with the Liberty I hope you don't go farther than a tow truck and make it to come and get it when it breaks down.

I say go for the green!!! More of an SUV color (& I like green!), and too many silver vehicles around anyway......You're spending so much anyway, may as well get something you really want.

You have to live with it so get the color that you want. Shop other dealers until you get the price that you want. Good Luck