Resolution...
She is in my car hole (that's a Simpsons reference)
The insurance adjuster came back with a low offer. The dealer gave up a little and I drove off with it. In the end I got it for $16K and change. I have an estimate to do the body work for less than $1000. I am happy with the deal.
I have called Slee for a set of OME medium springs, shocks and a transfer case skid plate. She also needs to have the front axle worked on, that's in the works too.
The plan is to let my wife drive it for the next couple of years, or until I can't stand it anymore, and then turn it into my trail rig.
I still have a very capable Taco that I don't want to give up...so this is a good compromise.
Thanks to all for your help and suggestions.