Could you give me some specifics? I definitely understand that it will take regular maintenance and upkeep, but just curious of some examples.
Here are some more examples. I purchased my 99 in December of 2019 for $11k, 195,000 mi. Clean title, no rust. I did my research before taking the plunge, and because of that haven't really been surprised by any of this, part of the baselining process.
1. TB/WP service - ~$1000 DIY/~$1800 at a shop
2. Rear axle seal leaking - replaced seal and bearing, lots of press work so had to farm this one out - $1500
3. Brake master cylinder seals leaking internally, replaced entire MC/booster assembly - $2200 - $3300 for the part alone depending on supplier
4. Sunroof drive cables corroded into the guide tubes - $400 in parts, DIY labor. I don't even want to know what a shop would charge for this, $3500++?
5. Re-sealed evaporator core cover to stop drips on passenger side carpet - $0, DIY labor and used sealant I already had. I've heard this is stupid expensive at a shop
6. AHC flush and adjustment - $50 in fluid, DIY labor, shops don't know how to work on this system and will recommend expensive component replacement
7. Still need to change transmission, transfer case, front, and rear diffs fluid
8. Radiator top tank is getting pretty brown, will change soon along with heater hose Ts and clamps as PM, ~400 for new OEM, aftermarket can be found cheaper
Then there's the nice to haves:
1. I replaced my stock non-functioning 6 disc changer with a double-DIN Pioneer unit. Made a connector to plug in to the factory harness from instructions found here
2. Want to replace window runs for all 4 as they're all pretty slow up/down even after lubing with dry PTFE spray
3. Steering wheel tilt motor is getting intermittent when cold, will need replacement soon
4. 98-02 has very poor range with the remote fob. Will do antenna relocation mod using instructions found here
5. One lock actuator is starting to get a little noisy on hot days, will likely die this summer and I'll probably replace all 5 when it does
etc, etc.
So, if from the sound of it you're not a big DIY'er, use the shop prices for all of the above and then some. This isn't intended to scare you off at all, I feel I'm still ahead of what I would have been if I had purchased something new, and I love the truck. But, having run much cheaper Toyotas before, these can't just be neglected like my old 94 pickup, or a corolla.
In addition, I've been playing around with cars for years and typically enjoy tinkering around, improving things, doing maintenance, etc. If you'd rather just jump in and go without ever having to think about this or that, something newer might be a better match for you.