Although my 04 D-cab is not a daily driver, I can make some suggestions.
I think a 99-2000 4cyl, xtra cab would make a great commuter. If you change out the poorly tuned stock suspension and install better seats it would be a nice ride for the mileage you are driving. Keep the tire size stock and you will get better than 20mpg too. And even though the Toyota with 4wd will cost more than similar solutions, you will earn that investment back with reliability and resale. Toyota's are always long term investments
