This thread has devolved into a hope over experience train wreck with no victory in sight. We have just lived through 18 months of 7% inflation. Have you checked the price of anything these days? Well many of you are going to be shocked by 2024 car prices across the board when they come out. We may even see top trim 4Runners pushing close to $60K much less a brand spanking new, newly engined and full of tech LC250.
My suggestion is to get a better job, make better investments, sell your house, send your kids to trade school instead of University, ditch the cat and dog, keep the wife, no Club Med with the Mistress, eat lentils and soy, but dig deep for some cash because you are going to need it to buy the new LC250! $65-$75K or more on par with the top trim GX maybe a couple grand less. Plan for it. If it turns out to be a bit cheaper, great.
If you can’t cover the cost of the new LC get a 2023 4Runner. Heck you can get two 4Runners for the price of a Defender!