When I was looking for my 4runner I found a couple nice ones with e-lockers, both were Limiteds and both were automatic. However, a manual transmission was more important to me than the locker so I went that route. (finding one with both a manual and locker is pretty hard).
Honestly, for overland use a locker isn't high on my priority list. With the sway bars unhooked and decent suspension the 3rd gens have enough flex to tackle 95% of the trails in this country (or any other for that matter) with little trouble. I've taken mine through some trails that it really shouldn't have been on and with a little rock stacking I made it fine.
BTW, I used to have a Tacoma and the 4runner, to me, is a better all around overland vehicle. More inclosed storage space, interior sleeping, much more comfortable seats/interior, etc. Off road the performance very similar, I'd say they are both equally capable.