Like a lot of others, money is a part of it. I'm new to overlanding and do not have much gear beyond some basic camp gear. My Outback is almost completely stock and I do not have the extra money available to use for making modifications. Time and budget will solve this though.
The big issue for me, is a lack of experience and knowledge. I am not sure what the Outback is capable of since I have yet to test it out. On that same note, I am not sure what I am capable of yet, since I have never been tested personally in an "off the beaten path" scenario. Other than some of the fishing areas I go to, I really don't know any areas to get in the dirt and mud with my vehicle and not cause problems or get in trouble. I guess eventually I will figure it out.
I hope to meet up with some others on weekends for a day trip here and there until i have the experience and knowledge to more confident to go it alone.