I've searched 5th gen posts to see if there's a comparison between the SR5 and the TRD as far as capability for a 80% street 20% light off road owner. Couldn't find anything. I'm probably not using the best research info.
Maybe as a compromise a membership fee to bypass this rule wouldn't be a bad idea. Even just $1-$5 keeps the forum running and newbies who are actually real happy. Kind of a win-win