I just looked at the 1998 sales brochure I have from when I bought my SR5 to confirm what I recall. In 98 the Limited came with the following that was either an option on the SR5 or not available:
automatic transmission
* 16" aluminum wheels, P265/70R16 tires and 13" front disk brakes
color keyed fender flairs, door cladding and running boards
* defroster linked air conditioning
* cruise control
* rear tonneau cover
* carpeted floor mats (although I think the Limited mats had a Limited Logo on them that mine does not have)
wood grain interior trim
leather seats, steering wheel, shift lever and door trim (The SR5 came with leather wrap steering wheel and shift lever)
power sport seats
* power windows, door locks, antenna and outside mirrors
* illuminated passenger visor vanity mirror
Premium ETR/CD with 6 speakers (mine came with a nicer optional in dash 3 CD changer and cassette player)
My SR5 came with the options marked with an *. I believe most SR5's came with those features. It was hard to get an SR5 that wasn't loaded where I live. They were either loaded or occasionally you could find one that was completely stripped.
The rear heater, moon roof, wind deflector, bug deflector, roof rack and trailer hitch were very common but they were options on both the SR5 and the Limited. My SR5 has all of them.
I don't know if the 97's were exactly the same.
If you want a 4Runner with an automatic transmission then I don't think there is much difference between most SR5's and a Limited except for the body armor, leather interior and wood grain trim. Some of the SR5 options have significant value. That SR5 probably has all of them. You should pay less for what it doesn't have. I think blue is the nicest 4Runner color. If that is really what you want then go back to the seller and let him know that the vehicle is an SR5 and try to confirm that it has what is important to you and that everything is okay.