The steel is cheap on mars too (initially), since you ship it there anyways as part of the cargo starships, which aren't return to earth (since the energy to make fuel is initially really expensive on mars). Manufacture it in Mars and your basically just talking about shipping the batteries, motors, and a small amount of electronics (and machinery you will need anyways).
> true all-terrain body-on-frame construction
Why would you prefer this? It's just a form of construction that requires more materials, and results in a weak body that can be damaged. Furthermore, we get all the materials for the unibody design (lots of stainless steel) free from starships that won't return, and the material is easy to work with.
Mar's terrain is pretty simple. Rocks, and sand. We almost certainly will choose not to land on sand, so we only really need to deal with rocks. Cybertruck, really any earth vehicle with a reasonable clearance, should be able to deal with that well enough, maybe with some custom tires.
Thermal management, and problems relating to pressurization, are the only things that jump out as me as real difficulties. Neither sounds like it needs fundamental reworks though.