What color is your radiator fluid?
As reported by others Toyota factory fill coolant is red. Let this get old or mix the normal Prestone green coolant and you get nasty looking brown coolant.
The other problem being mentioned is that a number of owners, including me, have discovered radiators partly or mostly blocked by grey sludge that collects mostly in top of the radiator tubes. I have read various theories as to the origin of this sludge, but no convincing explanations. One theory is that mixing Prestone and Toyota coolant causes the problem, but the problem also happened to CDan, who bought his truck new and uses only Toyota coolant, so that casts considerable doubt as coolant mixing being the cause. Others have reported that Toyota says the grey sludge is casting sand, but it looks more like mud than sand to me and in some cases there is so much the top of the radiator is totally covered quite deep.
I believe the root cause is a failure of the coolant in some manner that results in either considerable corrosion or considerable precipitation of additives out of the coolant. This is conjecture on my part.
Anyway, what you should do is have enough coolant drained from the radiator so that you can see the tops of the tubes from the filler opening on the top of the tank. If you have the problem, it should be visible there, as that side of the top tank is where most of the sludge collects in the radiator.
If you have the sludge, then at minimum the radiator needs to be removed and pressure flushed, or the tanks removed and rodded out, or the radiator replaced and the engine block flushed best as possible.
The sludge also collects elsewhere in the cooling system, including the heater cores.
This sludge can lead to overheating. The overheating problem is compounded by the fact that the factory temp gauge is designed to lie. Once the engine is at normal temp the gauge sits in the middle, even it if continues to get hotter. The engine has to get really hot before the gauge moves up to the red zone. This behavior can mask an engine that, due to cooling system problems, is running hotter than it should.
I know from 200 - 226 degrees my temp gauge sits in the middle. I don't know how hot it would have to get to move up from the middle. One of my projects is to determine why the coolant gauge is so nonlinear and modify it so that it more accurately reports engine coolant temp.
Rich