My first thought would be that fiberglass will not provide any structural strength. Since the XJ is a unibody, that sheet metal floor pan does integrate into the strength of the whole vehicle. Further, if the sheetmetal is really gone, I'd be concerned that the fiberglass will flex a lot as you step on the floor, etc. Granted, fiberglass will seal it from water, but I think I'd go with sheetmetal. The replacement pans, using the correct year, tend to be pretty well formed for the appropriate contours of the floor.
David Bricker / SYR