Hello. I'm a newbie here and fairly new to the hobby. I've got a '99 Taco V6 4x4 SR5 (manual locking hubs)
From your description, sounds as though you have 3.583s (because of the 225s). But look for your axle code just in case.
Axle Code Gear Ratio
RZN140L-TRMDKAB 3.416
RZN140L-TRMDKAB 3.583 2001
RZN140L-TRPDKAB 3.727 2001
RZN140L-TRSDKAB 3.583
RZN150L-CRMDKAB 3.416
RZN150L-CRMDKAB 3.583 2001
RZN150L-CRPDKAB 3.727 2001
RZN150L-CRSDKAB 3.583
RZN161L-TRMDKAB 3.583
RZN161L-TRMDKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel 1997-98
RZN161L-TRMDKAB 4.100 With 31x10.5R 15 or P265/75R 15 tire 1999
RZN161L-TRMDKAB 3.909 2000
RZN161L-TRMDKAB 4.300 With 31x10.5R 15 or P265/75R 15 tire 2000
RZN161L-TRPDKAB 4.100
RZN161L-TRPDKAB 4.555 With 10.5R 15 Tire, 7JJ Wheel 1997-98
RZN161L-TRPDKAB 4.555 With 31x10.5R 15 or P265/75R 15 tire 1999-2000
RZN171L-CRMDKAB 3.583 1997-1999
RZN171L-CRMDKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel 1997-98
RZN171L-CRMDKAB 4.100 With 31x10.5R 15 or P265/75R 15 tire 1999
RZN171L-CRMDKAB 3.909 2000
RZN171L-CRMDKAB 4.300 With 31x10.5R 15 or P265/75R 15 tire 2000
RZN171L-CRPDKAB 4.100
RZN171L-CRPDKAB 4.555 With 10.5R 15 Tire, 7JJ Wheel 1997-98
RZN171L-CRPDKAB 4.555 With 31x10.5R 15 or P265/75R 15 tire 1999-2000
RZN191L-TRPDKAB 3.909
RZN191L-TRPDKAB 4.300 With 31x10.5R 15 or P265/75R 15 tire
RZN196L-CRPDKAB 3.909
RZN196L-CRPDKAB 4.300 With 31x10.5R 15 or P265/75R 15 tire
RZN196L-CRPDKAB 4.100
RZN196L-CRPDKAB 4.555 With 31x10.5R 15 or P265/75R 15 tire
VZN150L-CRMDKAB 3.153
VZN150L-CRSDKAB 3.153 1997-98 & 2000, 3.583 1999
VZN150L-CRSDKAB 4.100 With 31x10.5R 15 or P265/75R 15 tire
VZN160L-TRMDKAB 3.909
VZN160L-TRPDKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel
VZN170L-CRMDKAB 3.909
VZN170L-CRMDKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel
VZN170L-CRMGKAB 3.909
VZN170L-CRMGKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel
VZN170L-CRPDKAB 3.909
VZN170L-CRPDKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel
VZN170L-CRPGKAB 3.909
VZN170L-CRPGKAB 4.100 With 10.5R 15 Tire, 7JJ Wheel
VZN195L-CRPDKAB 3.909
VZN195L-CRPDKAB 4.100 With 31x10.5R 15 or P265/75R 15 tire
Am I right that this is something I shouldn't mess with, and if so, what do I need to know when talking to a mechanic to avoid getting taken to the cleaners?
You are right, unless you find used 4.10 (AT) or 3.91 (MT) 3rd members to swap in the front and rear. You will want non-TRD 3rds. Best advice on what to know, search (ttora , 4x4wire, yotatech), read, take out your own 3rds and order everything yourself (paying less is good, but cheap is not best).
Great site, btw, I'm glad I'm in mud!