toylandcruiser
Expedition Leader
You are correct: in terms of towing, the Tacoma is rated higher. However, I still consider the 3.5l v6 barely adequate for truck purposes. The Tacoma may be rated for 6.4k lbs of towing, but I can promise you that towing that much weight on a regular basis with the Tacoma's drivetrain will not be pleasant. For all practical purposes, ~5k lbs is the limit for these midsized Toyota SUV's and trucks given their current drivetrains.
In terms of payload, the 4runner has the Tacoma beat by at least a few hundred lbs. And while you don't necessarily want to use up every lb of that payload rating with the 4runner's also somewhat mediocre 4.0l v6 w/ 5 speed auto, the overall chassis of the 4runner (based on the LC Prado) is much more purpose-built for handling that kind of weight IMO.
The 4runner's 4.0l v6 and 5 speed auto isn't leaps-and-bounds better than the Tacoma's drivetrain, but I think there is slight advantage in terms of low end torque, which is especially noticeable when starting to accelerate or move a trailer or load. At the high end of the RPM band, the Tacoma's 3.5l v6 does seem to perform very well...I just don't think a truck engine should have to rev high in order to deliver usable grunt. That's entirely subjective however. By all accounts, the Tacoma is still a solid and capable vehicle.
Given your desired end uses, I think either vehicle will suffice. I just think the 4runner offers more comfort and somewhat better build quality out of the two choices.
All Toyota’s meet j2807. If they say it’ll tow it, it’ll tow it.