Is this your first Rover? Never has the brand been associated with quality, and the military defenders were anything but.
The oil cooler isn’t out of the ordinary but also not common. The control arms water pump and hatch, yes totally normal.
It’s an old Rover. At this point in its life if it is still being babied it’s going to start complaining about it. It needs to get worked and beat on. This same thing happened to all the D2s 15 years ago. People with low mile street queens had issue after issue, people who used and abused them got a lot more miles and years out of parts.