Wanted to share my experience with a 2011 Limited. I rode the stock 20's for about 8K. I remember while turning into parking lots from the street, I could hear them chirp and sometimes feel the truck slip depending on how hard I had to brake. Switched out to 17's with some aggressive AT's for the next 45K. Smoother ride and the tires don't do what they did in the stock 20's. Also, it absorbs the impact of pot holes a lot better.
As for the xreas, it served me well. Didn't have the funds for a proper lift till now. I agree, for most , the xreas is nice and more than sufficient for >95% of regular drivers. I want to upgrade and am going to King OEM performance. Overkill? Probably, but I'd rather go all out then do bilsteins, which to me is a downgrade from the xreas. Lastly, a body on frame (4runner) is not going to feel the same as a unibody or crossover (Rav4/highlander). Hope this helps.