I went from a 97 Cummins to a 2010 DC Tacoma 4x4. I DO miss the power of the Cummins. That thing never downshifted going up any hill (no trailer of course), and it routinely got about 18mpg, regardless of the speed I travelled (again, no trailer). My only regret is tha I bought the TRD Sport package, and heres why: I have completely replaced the stock suspension with an Old Man Emu kit, and Icon UCAs. I highly recommend changing the UCAs if you do any kind of lift to the vehicle. The only reason I bought the Sport is because it was the only 4x4 in the area, and I did not want to wait for a TRD Offroad. At the time, I didnt think I would get into offroading as much as I am now, and it would be nice to have the locking rear dif. If I did it again, I'd buy a non TRD 4x4 because the TRD suspension is sitting in my garage, and I plan on regearing and locking the front and rear anyway. The TRD skidplates are pretty thin, and mine have deformed from a few off road trips.
The bonus is that I have an excuse to buy air lockers front and rear, and while I'm in there, I'm going to regear to 4.55. If you go up on tire size from the stock 29-30 inch to a 31-33, you should regear. If you go to a 35, I believe that a regear is a must due to the low power, and the plummiting MPG numbers. My truck has 31x10.5x17 BFG All Terrains, ARB bull bar and winch, OME suspension kit, and a Bestop Supertop. I do carry all my recovery gear to include 3 snatchblocks, 4 shackles, 3 different tow ropes, a hi lift jack, and small shovel. I am lucky to get 17 mpg, and routinely get 16-16.5 mpg on the highway. I can get better around town (believe it or not) and usually do not get over about 55 mph due to travelling "surface roads" and not the highway. Before I went to town on changing the suspension, and bumper, I could get 19 no problem.
Even though it's not powerful (compaired to the old 12v Cummins), drinks gas, and I get "hate stares" from EVERYONE who drives a Jeep Wrangler, I still love my Tacoma, and would not trade it. It only has about 65,000 miles on it, and it is still running as strong as day one. I plan on passing it down to my son when he turns 16. That'll be 12 years from now.
The TRD Tacoma is perfectly capable off road from the factory. Dont think that becuase I changed a bunch of stuff that I was not happy with the off road performance. I just like the way it looks with the small lift, and I wanted a winch to get me out of trouble. That was how I justified the ARB Bull Bar. I justified the bigger tires because it looked silly with a 29-30 inch tire with a 2 inch (approximate) lift. Then the recovery gear kind of got outta hand....