Bit late on a response to this, for if you have the problem, you need to address it pronto. I've had two go out on my 96. $400 sounds right. First one was under warranty, the second, about 3000 miles past warranty.
I now change the fuel filter every other oil change.
Would like to know if anyone has retro fitted to eliminate the in tank pump. Not a great design for a 4by. I know not many people really use theirs off-road, but for those of us that bought it to use it, a trail changable fuel pump would be nice.