I'm in Huntington Beach (Bolsa Chica and Heil) and have a completely stock 2007 limited 4x4. I guess I'm one of the plain ones!
I took the runner up to Azusa last weekend and have to admit that I'm impressed with the 4runner stock. It handled everything I threw at it without flinching, as well as my old 99 Cherokee with OME lift, 31" tires, ARB bull bar, Jet chip, and Rubicon controll arms, etc, etc... Don't get me wrong, I could do things with the Jeep that my 4R wouldn't be able to keep up with, but for moderate froading, not looking for trouble stuff, it's just fine for me stock.
I was going to upgrade the suspension to OME, but now I'm not so sure. I think I'd like 10 - 20% stiffer front springs and elimination of most of the foreword rake, but I'm not too bent out of shape over it and will probably wait for the summer.
I thought the first thing I'd do was take off the running boards, but after using them to wash the car and taking them off road with no clearance issues, they're going to stay. I think of them as expendible rocker guards... and they were free with the L imited.
I did do the Nav disk mod and would be happy to pass you along a copy if you want to come by.