Sure, I've got some thoughts. First, welcome. Second, driving style costs you nothing and saves you lots. The ScanGauge will help with that.
You need to prioritize your list of mods. Sort them into mods that are currently way beyond your skills and budget, things that you might be able to do next summer, and mods you can do in a weekend right now. Then jump right in and do a few easy mods (like a grille block and synthetic oil) right now. You'll be glad you did.
You're right that tinted windows == less A/C, more comfort. Beaded seat covers work similarly. You could also paint the roof and maybe the doors white like an FJ Cruiser's roof.
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