You know, there's an old saying that if you have to ask how much a yacht costs, you can't afford it.
Not trying to bust your chops here but if you don't know whether you need a rear locker or not - then you don't.

:
FWIW the center diff on the 4runner is a limited slip and provides pretty good capability both on- and off-road (although I generally lock my center diff once I get onto the dirt.) A locker will help if you are on extreme terrain where you could potentially lift a front and rear wheel simultaneously but I'm guessing you don't 'wheel like that because if you did you'd already know what a locker can do in those circumstances.
Serious question - do you go off road? I get the impression that you don't in which case a rear locker would be a complete waste of money.