Darned if you do, darned if you don't. I have owned two 5th Gen 4runners and now a 200. As Markuson said, these are two distinctly different vehicles with two different personalities.
If you plan on keeping either truck in factory configuration, the 4Runner WILL be more economical. The 200 will be more accommodating.
The 200 interior is well appointed. The seats are a little more spacious than the 5th Gen. When I test drove the 200, I was very concerned about the amount of information and features. My first impression was, "Wow, this is a bunch of stuff just waiting to go wrong." Once you get comfortable with handling the features, it's ok. For me, it was turning off everything except the blind spot monitoring.
The 5th gen comparatively doesn't seem to have the same level of detail in the interior, and to some it is outdated. The seats are slimmer in all areas. Big knobs, buttons, and the steering wheel controls are very basic making it feel older. There is also limited amount of adjustment and information in the 5th Gen. I absolutely love the interior of the 4Runner. It was the closest thing to a modern feeling 80-series. Problem is, I am a Land Cruiser enthusiast, and ultimately there is no substitute.
The difference in powertrain, I can say for fact, is substantial. Here's opinion: The 3UR and 8-speed transmission is a fantastic combo. The powertrain and gearing in the 4Runner is just enough in factory trim. If your wife intends to put heavier or larger tires on it, you'll find the truck just isn't geared for it.
The 4Runner is very capable offroad in stock form. We have a few 5th Gen in the local cruiser group, one of which is completely stock. The lady that own it will take it everywhere the rest of the group goes. No issues besides some pin-striping and scratches on the tupperware.
There's discussion about a significant drop on resale/trade-in value when the next generations hit the lots. Here's my take. There will always be a cult following for previous generation. People will always be resistant to change, and that could benefit you so long as the timing is right. The 4Runner has sold more new models year over year for the last few years. The 200-series sells generally less than 3,500 annually. 200-series might preserve their value a little more, and a little longer. The market for used 5th Gen 4Runners will be flooded when everyone starts jumping to the 6th Gen.
If you have any specific questions not addressed, I'll be more than happy to provide feedback. Ultimately, your wife has to decide, so..."happy wife, happy life."
