I have the same deal with my wifes 97 4runner, 150K on the clock
I am in the process right now of doing the following as All of this stuff was original as best I can tell.
Yes, I was a bit lax in the maintainence of this...
Timing belt. New water pump and Tstat, New coolant, Drained all of the diff fluids, front rear and T case.
New Belts, New Hoses,
Castrol high Mileage ATF Fluid.
Bypassed the original Trans fluid cooler on the bottom of the radiator and went with an aftermarket cooler. and new hoses.
I have read on other boards where the radiator develops leaks into the trans cooler and the result is a strawberry milkshake in your transmission.... Mine was fine but I did not want to risk it.
New Plugs, I kept the original wires. since there was no issue. The wires are a bit spendy if I recall since there is no distributor. they are not like standard spark plug wires.
New Airfilter.
I think I am into it for around 350$ or so, and I am doing all the labor.
Here some reference material I have picked up along the way.
IPT Performance Transmissions Torque Converters and Transmission Parts for Ford, GM, Chrysler, and Import vehicles
Transmission Cooler Install on a Toyota 4Runner