Will the 4Runner be your only vehicle? Will you be using this vehicle to commute to work? If so, how many miles is it to work and back?
The 4Runner is a great off road vehicle and we have also found the 4Runner comfortable on long road trips. The 4Runner is good in snow. My wife was a university administrator. When the university was closed for snow, the students and faculty didn’t have to be there. My wife, as a professional administrator didn’t have to be at work, but her staff either had to be at work or lose a vacation day. Mrs. Triedaq didn’t think that was fair, so she would put the 4Runner in four wheel drive, and go pick up the staff that reported to her.
Think about how you would use a 4Runner. Is it going to be your only vehicle? In my opinion, this should be your first consideration.