To be honest, if you have NO money down you probably shouldn't be buying a NEW $60k vehicle. Buy a cheaper car, pay it off quick and then trade up for a nicer used car and pay it off quick.... Work yourself up to a car like that so you don't ever get yourself upside down in case you come across...
Never heard of this either. Do you have a link to a article or thread that talks about it?
If you are interested in GX mods check out my Facebook page at the The Lifted Lexus | Facebook. There is some pretty stuff on it.
B-
To be honest you are going to have to have one hell of a good looking bumper with comparable fit and finish as the ARB to be able compete.
4wheelparts has the ARB #3421410 available for $1298+tax w/ FREE to store shipping. I plan on grinding the bumper not my fender.
I wish you luck but it's...
You will get more opinions over at:
120-Series Toyotas
and
GX470 - Toyota 120 Platforms Forum
I went with ICONS and just tricked the rear airbag.
The whining from your wife will start as soon as you take off the running boards... So have some sliders ready that can function as a step too...