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I'll add my .02 here as a 100 owner and having just convinced some family members to purchase an '04 V8 4Runner.
I love my 100 and will likely never find a better built full-size SUV. Everyone here is not lying when saying that it just feels like it was machined from only solid block of metal. No squeaks, rattles etc at 140k and it still runs like a top.
HOWEVER, the 4Runner I just found for my family was a one owner, 2004 Limited with literally every option available and it was clearly maintained with the expectation that this would be with them until it bit the dust. With 185K on it, it felt incredibly solid and I was VERY impressed with the lack of rust and the overall appearance of it despite living it's entire life in New England. I too expected more of hollow feeling, plastic-y vehicle but I was impressed with how well taken care of it was and just goes to show was regular washing can do to inhibit rust.
I guess what I'm saying is that if you take care of it, a 4Runner with essentially the same running gear as a LC (in V8 form) should last you for a long time and while it will probably not have the level of refinement of a similarly cared-for 100 series, it will be a perfectly solid vehicle as can be expected from Toyota.
I had Surf 3.0 liter TD before the LX.
A few weeks ago I drove in a near identical Surf and realised that I had made the right choice. The LX is so much more smoother to drive, not so bouncy and all.