You guys were right, definitely sunroof related. Noticed it on the FJ80, but the FZJ80 had it worse.
There's 4 black drain plugs per side of the body, at least in between the fenders. It seems like one of the sides on each of them would drain water out the fender area, but the other couple sides would drain (or not drain) through the plugs in the body.
The FJ80 had two of the plugs removed already. The FZJ80 had way worse leaks on the passenger side. No water would come out the bottom and it'd pool right up. I ended up making sure two of the plugs were open on each side, on each rig. I'm not sure that's ideal, but for now it's probably safest.
I suspected a bit of a clog on the FJ80. Some compressed air and weed eater line (great suggestion!) seemed to help some. But removing the body plugs might be the only way, for now, to make the flow fast enough.
On the F80 there was part of the windshield gasket that was worn away, near where the leak was. I dumped water on that part and couldn't notice any leak.
I do think we took the FZJ80 through a car wash only once and we didn't have any issues, so it's possible the condition of the sunroof gasket is better.
Deleting the sunroofs is tempting! Not sure how involved that is, but seems like some work.