There is no such thing as a basic Navigator, but the Luxury 4x2 was, relative to the other trims, the most basic of the 2004 offerings. Nonetheless it came stacked with an impressive array of features: two rows of leather seating with power-adjust and power lumbar support in front, a flat-folding third-row seat, heated power-folding side mirrors, and a roof rack.

As with all '04 Navigators, the power came from a 5.4-liter V8 yielding 300 horsepower and 355 lb.-ft. of torque for a maximum tow capacity of 8,600 pounds. A fully independent suspension with load-leveling made for a smooth and almost car-like ride. Buyers of the Luxury 4x2 were able to add some pretty fancy options: power-deployable running boards and heaters and coolers for the fronts seats. Stability control, a sunroof, and a rear-seat DVD player were also available.