Thanks for the heads up Jerod!
Welcome
I'd go with the LN130 Surf over the 3.0 4-runner any day of the week.
Here's why: both have basically the lamest engines Toyota ever made. The 3.0 isn't particularly strong, efficient, reliable, or anything else. It runs, and that's just about it. The 2LT-E (which this vehicle has) is a great engine, except for the whole head-cracking issue. That's why I'd say they've both got to be about the lamest engines Toyota ever made.
The 3.0 because it's just plain mediochre at everything, and the 2LT-E because it either requires a lot of babysitting or a lot of new heads.
That said: you'll notice I have a 2LT-E in my pickup. I know that the head will eventually fail, and I have accepted that fact. In fact, I make sure to always have enough money in my bank account to replace the head, and the phone number, part number, and e-mail address to an Australian parts source is in my phone--always. (I would try CDan first though, the guy works miracles, and he's less than an hour away from my house--yes in New Mexico). That's about it for the hard to find parts--I do keep spare oil and air filters in my garage, just in case I can't get them quickly someday (I currently have 4 oil, 1 air spares). The hard part is getting a part number, it's not very difficult to get the parts once you've got the part number.
It's got plenty of power, and the turbo really does keep up pretty well. In the low ranges it's got torque (because it's a diesel). At the high speeds it's got power (because it's got a turbo). I'm constantly amazed at how driveable the 2LT-E/R150f combo is (it's also what's in that truck, IIRC).
If you want to check for potential head cracking....
1)Check for water in the oil (it's the foamy white stuff on the dipstick)
2)Watch for an unexplained drop in coolant
3)Remove a coolant hose or two and check the general cleanliness of the coolant passageways. All of the Surf's I've known of that had problems off the bat had dirty, dirty nasty coolant.
To protect the engine from cracking (even though it eventually will, but this at least prolongs it, at least I think it does

)
1)Get rid of excess weight. I don't have those sissy steps, air conditioning, rear seats (mine's a pickup though), etc....
2)Install a pyrometer!!!! You NEED to know how hot your turbo is.
3)Drive sensibly. Just because you can drive around with the turbo spooled and have amazing performance doesn't mean you should--your mileage will also thank you.
That's all I can think of at the moment. Again, I love my diesel. Even though it's the somewhat lame 2LT-E. It gets excellent mileage, has much, much more power than the 22R-E ever did (at least at high altitudes), and is the only vehicle I know of that every girl digs.
If I were you, I'd look it over and buy it. If you can find a 1KZ-TE powered Surf though--but it instead. All the benefits of the diesel, none of the drawbacks of the 2LT-E.
Dan