KBB has been off by a mile on their 4th gen values, at least on the wet coast.
The values of SUV's, especially "cool" ones, has jumped a lot since Stay At Home and Work From Home. Everyone wants to go out to the boonies and blog or vlog or whatever and show their 'Gram and selfies of them in front of a camp fire or a dusty truck. Bay Area wealth effect may be a force multiplier on values there?? That said, yeah, seems high on that price for a salvaged ride. Could also be a result of PUA, UI, and stimulus $ sloshing around...people spending.
2WD 4Runners kick ass and make great road trip vehicles. They're great road cars...comfy, roomy, and safe. They'll also get you down most fire / forest service roads as long as mud/snow & ice, and rock climbing/technical stuff isn't on the menu. Now if you had said "I still can't understand why Toyota ever made 2wd FJC's" I'd be in agreement

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At north of $3/gallon here in Hell-A, the gas mileage expense/range thing is a bummer. I've learned to buy lower octane gas at Costco instead of Chevron Supreme when I can, and I try to keep my speed <70MPH. I did 800 miles on an Eastern Sierra road trip last month and got 15 mpg there (uphill...LA to Bridgeport), and better on the way back. I have no problem spending an extra hour on 395N
Something important to consider is replacement value on our 4th gens if totaled. Who is a good Agreed Value insurance company? USAA doesn't offer it, and I have a feeling that I'd lose $5-10k if my low-mileage '04 V8 4wd Sport was to get totaled. I imagine I could sell at $15k pretty easily, yet KBB says maybe it's worth $7k, lol. I'd hate to "lose" $8k+ if my '04 gets totaled. I imagine I'd have similar issue on our '06 LX and '06 2WD 4Runner.