My wife and I had a wonderful time touring with Monument Valley Tribal Tours. Our tour guide, Larry Team, was friendly, knowledgeable, and answered all of our random questions. Even if you have a 4x4, I would recommend doing a tour with a guide so that you get to learn some of the history and culture of Monument Valley. Of course, the views and scenery are spectacular.
The vehicle was comfortable enough, but be sure to look at the weather and bundle up as needed. We had brief rain showers and overcast skies (early October), but we’re dressed for it, plus he gave us ponchos to wear. The overcast skies also gave us some nice, soft lighting and colors.