I have my '98 4Runner SR5 I bought and had a very economic approach to things. I mostly use it for commuting the ways to and from work but I did do a few things to it over the years... on a budget.

Originally it was a 2wd model with an auto -- I converted it to 4x4 and a 5-speed... but we will stock to the lift and tires

I bought the wheels and tires from a member here - the tires were brand new as were the wheels - he ended up planning on selling his rig before he put them on - picked them up for $800 (5 x 16x8 wheels and 265/75/16 tires)

I then wanted a slight lift to clear as I was getting minor rubbing on the front as lock so I just ordered some factory height springs from a 99 4-runner to get the back up a bit (about 1-1.5") and added a 1" spacer on the front strut/spring assembly. This gave me the little bit of clearance I needed.
Spent maybe $75

I have a factory roof rack that works for what I need (I don't ever use it) - Free.99

Honestly I have less than $5000 into my entire truck including the price of the truck itself, the manual 4x4 swap, wheels, tires, e-locker... that being said I am planning on doing a proper lift in the future as my factory front struts are a little long in the tooth at this point - may end up going with something like the OME set up.

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