I had one of these (well, I had a 2010), and sold it in 2016 (it could not accommodate 3 across car seats). While everything you say is true, I suggest those attributes only carry overweight value for people who are inclined to 1) do their own wrenching, or 2) spend a lot of time off road. For normal city use, 4Runners are a really poor option, given how "truck-like" they are, how inefficient their use of interior space is, and how poor their gas mileage is. I would much rather have something like a Forester or even CR-V, or Explorer or Highlander or any of the other unibody AWD car-like options. Even my actual truck (2017 F150, which I bought to replace the 4R) is FAR more pleasant to drive, more useful, and gets better mileage.
At least in my region (Southern California), the 4x2 4Runners are going for $3-4k below MSRP. IMO, the biggest drawback is that all of your savings from maintenance will go towards paying for gas.
A 4x2 4Runner is an absolute waste of parts. If you aren't going to take it somewhere that you at least sometimes need 4x4, why on Earth are you buying a 4Runner at all? (I know, because it's a status symbol, but that's not what this thread is about.)
* body-on-frame construction
* reliable and proven engine platform (naturally aspirated v6)
* 5 speed auto transmission (modern trannys have like 10 gears bc of emissions)
* no fancy hybrid / turbo drivetrain that will start breaking after 3 years
* big after market so you can customize to your liking (got a bunch of off road toys on mine)
Cons:
* expensive (though you will save on maintenance and repair costs in the long run)
* there is a big demand for these trucks so you might need to stomach a $5K dealer mark up
* gas hog
* drives like farm equipment compared to a tesla, not refined at all
* infotainment is about as modern as the rest of the car
Next generation, it will probably go the hybrid / turbo route like the tundra.