My Sony deck does have high freq crossovers for the front and rear channel and a low freq crossover for the sub channel. Adjustable all the way up and down the scale so that only what sound you want goes to the speaker. Plus I can adjust the volume individually on each of the channels. For example, I have the volume for my sub channel turned almost all the way down otherwise it is too overpowering. Of course they are all controlled by the master volume. It is a nice little option that I know a lot of newer Sonys are starting to have more often on their lower priced decks.
I always do my own install. In my first car, when I was sixteen, I had a car stereo shop install a deck for me. They basically destroyed my dash and screwed up all the wiring. So, I learned how to do it myself from then on. Now I install all mine and my friends stereos in over a dozen cars. They basically get into my car and listen to my stereo and ask me to do that for them. I do it for fun.
They offer free installations due to the fact you are buying a $300 deck or a $500 amp or whatever. And the free installations usually only applies if it isn't a custom job. In other words, if they have a prepackaged wiring harness that all you have to do is plug it in for it to work. They actually make a lot of wiring harnessed that plug directly into your Sony or Kenwood deck and then into the factory harness. There is no wire splicing at all needed. You need no electrical knowledge at all. But, I would say that $50 for the rewire does seem like a reasonable price.
I agree that Circuit City probably doesn't see a lot of Land Cruisers, but Toyota uses the same wire harness on many of their cars. For example, the wire harness I am using is for "Toyota 1992-03". The same stereo was available in Camrys and Solaras and many more. I am pretty sure, they have seen their share of the other more popular Toyotas. It is the same wiring kit. But, for some reason the two main wire harness makers, Metra and Scosche, don't make the harness with the amp connections. So the Circuit Citys and Best Buys don't have it in stock.
Here is a helpful link for people thinking about doing their own rewiring though. It names all the wires involved with the stereo so you know what is what.
http://carstereohelp.net/wireharness_Toyota3.htm