phsycle
Adventurer
First water crossings are not ideal for any vehicle. I doubt that 4runner owner thought about diff vent extensions, and greased up/ sealed wiring harness plugs. Wheel bearings etc.
The Toyota is no more water capable than Subaru other than intake height.
Water crossings are not an issue. But those steep, off-camber sections with big rocks. I know I would be missing Low range and rear locker. Most places, the roads are fairly well-graded, so I wouldn't have to worry about them much. But you just never know what you might find around the corner. I guess I could hold off on the lift, just add A/T tires, and buy some Maxtrax and a hi-lift.
My fuel savings at 25K miles/year would be about $2200, so would save roughly $11K in 5 years. Maybe a little more, since I run 91 in the Tacoma, and if I got a Subaru I would do 87. For some reason my Tacoma does not like the lower octane when I have tried running it.
I am keeping my current Tacoma, so anything like that...I'll just take the Tacoma, and to be honest I rarely do water-crossings in the Tacoma, as I usually park it at the trail head and use the bike.
There was a couple miles of this in one of the areas I like to go. Couple "oh ********!" deep spots along the way, was trying not to get wet that day too...
If you got a new(er) Tacoma or 4Runner, and say got 19MPG average. And 28MPG average on the Subaru. At 25k miles, $2.5 gas price, you'd be $1,057 difference. I run 85 in my Tacoma and it does great.
Those forest roads can be so unpredictable. One year, it is fine. The next, it's almost impassible. I don't know what my tolerance for risk is for stuff like that.