Would I be stupid to consider this trade?

Definitely would only make the trade if there was significant cash in addition to the trade. Even then (if it were me) I'd take the cash portion of the trade and combine it with more cash from selling the traded 4Runner and put it towards something that's the equivalent or better than the LX.

Nothing about this makes sense to me. Keep your LX.
 
The cheapest car to own is the one you already have. Investing in your LX is most likely more cost effective than buying an unknown vehicle.
This is a general rule of car ownership, although there are always exceptions.
 

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