Kaitlyn, I'm local to you and have a limited. I've driven most roads up Squamish Valley/Elaho/Ashlu in my limited w/ the 20" wheels still (just waiting for the treads to go and I'll be moving to a 17" wheel). I'm not really understanding what you mean by your friend using crawl control just on the FSR's? Unless your going over some extreme terrain, which I wouldn't consider any FSR around here extreme, you would not need to use crawl control or even 4lo. Heck, with the Limited full time 4wd system I have only had to move it into 4Hi a select few times and that's mostly just to use it as you should engage the system once in a while. I also travel with a tent trailer on these roads so the 4wd system is great for engine braking. Otherwise, its just a road with some rocks and potholes.
Don't get hung up on the wheels, most dealers around here will swap them out for you. Lots of limited in town on TRD Pro wheels that the dealer has installed. Also if it bothers you aesthetically, the front end swap is easy. It bothers me and am slowly building up the parts to do the swap as was always my intention. I never wanted the limited but the wife did so....you know how that went.
Now I'll soon be at the best of both worlds. Non-limited trim pieces but the nice bells and whistles of the limited. Push button, auto climate, leather w/ heating and fans for cooling, parking sensors, JBL system, etc etc.
Here in the lower mainland the fulltime 4wd is nice with the all the rain and varying weather you can encounter on a road like the Sea2Sky.
To summarize, unless your going to be doing the Whipsaw or crawling around Stave or some extreme trails around here you are not going to need the lockers or terrain select.
