I meant retractable 3 point harness. not the lap belt, that's what I have now, and it is definitely a pain. The kids are in booster seats now, so I need that 3 point harness. Nobody seems to know (not even the dealer) if part # 73003-90A000-3, from my original post, is a retractable 3 point harness seat belt, or a manual 3 point harness seat belt.
My local pick n pull has a few 2nd gen 4Runners with the same color interior as I have now, I might go pull the front belts out of them to see if they will work. (Only $15/belt), if it works, great, if not, i'm not in a huge loss, and I'll order the part number above and find out.