Thanks AuSeeker for your feedback.

I found a really interesting/instructional YouTube VID about 4Runner steering shaft & U-joints:

Toyota 4 Runner Steering Problem Returns - EricTheCarGuy - YouTube

If this is what I need to do next - I'll have to bring it in to my mechanic. It's out of my skill set of "home mechanic" repairs.

I'm learning a lot though....

Question:

The steering right now is really difficult to turn. In fact - to make a turn at an intersection - I have to use both hands to grab the steering wheel and actually "pull" it in the direction of the turn.

The steering system doesn't make any noise. It just feels lumpy and very difficult to turn.

Are these the signs and symptoms of a problem with the steering shaft?

TBH - I'm just worried it would be a bad steering rack and more expensive.