My local O'Reillys sells premixed Zerex Asian formula coolant at $14.99 per gallon, so you'll need a bit over 3 gallons to fill a FZJ80 cooling system. That works out to be $45 coolant cost. If you need to top it off you'll need a spare gallon for that, add $15.
At a local Toyota dealer, without a discount, they charge $24.99 for a gallon of undiliuted 100% Toyota Red coolant.
So if you use Toyota Red 100% coolant (2 gal = $50) mixed at 50:50 with distilled water ($5) it will cost you $55 for five years. Plus you will have some 100% coolant left over if needed for topping off during that same time period.
If you change out the Zerex every year for five years you will have spent 5 x $45 = $225 over that same time period.
So you could end up spending four times as much for the non-OEM coolant compared to the Toyota Red. If you run the non-OEM brand coolant for the same length of time as the Toyota Red the savings is minimal, $55 versus $45 over five years, but then there's the question whether you'll get the same level of protection with the aftermarket coolant?? IDK.
FWIW.
Government math?