Elan, I'm in the same boat. Thinking I'm not going to put myself in enough situations to justify needing the extra armor. And I prefer the lower profile look if I can get away with the loss of some protection.
Downsides I see to no hoops:
1. possibility of missing out on protection from deer. Just had my headlight/fender/bumper mashed by a South Dakota deer at 70mph. But I've got insurance to fix stuff in those rare cases.
2. loss of protection from branches, etc. I'm thinking about making some kind of removable mount that I could install for forest trekking that will allow for mounting a cable riser to the roof rack - then remove it when I'm done.
Something that mimics the function of
this one for Jeeps
Except I'll want it to extend forward and out a bit to cover the corner of my 4Runners exposed headlights on the corners.
Luke at 4x4 Labs is building me a 4th gen front bumper - he's working on adapting his excellent
5th gen
design to the 4th gen (already sold the first few, I think). He's making provision for center hoop, I think, but I'm leaning toward going sans hoops for reasons mentioned.