It seems like your 2024 Toyota 4Runner might have received improvements in the front differential design or components that address the needle roller bearing failure issue you experienced with your previous 2011 and 2020 models. While it's not clear if a specific TSB has been issued for the 2024...
The fuel gauge works by measuring the fuel level through a sending unit inside the tank. Over time, this unit can wear out or get clogged, leading to inaccurate readings. This could be the primary culprit if the fuel light is coming on earlier than expected.