Well I wanted to swing back around and finalize this since it's a pet peeve of mine when we never get the end of the story.
After doing some research and comparing prices I basically told my favorite local Toyota dealer I'd have them perform the labor if the price was reasonable and they'd work with me on parts costs. They put me in their system as a "Shop" so I got the parts wholesale which made a BIG difference and did the timing belt, water pump, all the belts, tensioner, pulleys, coolant flush/fill, and a new radiator. Total was right at $1600 that included our 10% sales tax we have to pay here. Labor was right at $894 and I was charged 6 hours. They did NOT recommend replacing any seals unless they were leaking as some other here had mentioned.
With these trucks seemingly going up in value I figured having official Toyota paperwork showing the work was performed at the dealer would help long term value, and save me a weekend of busted knuckles in the process so I let them do it. Years ago I'd have done it myself to save the money, but these days time is becoming more valuable. Got the truck back today and looked everything over and it all looks great. I did research this dealer before letting them touch my baby and their reviews were stellar, and my experience was the same. The service advisor and I went back and forth a bit negotiating the price and they were good to work with.
I asked to keep all the old parts so I could inspect them and they were placed back in the new parts boxes. Timing belt is in SURPRISINGLY good shape for being the 20 year old original. I'm going to disassemble the radiator to take a look at the trans cooler and see how all that looked. I'll start a new thread on all that.