You're debating between a 4Runner and a Jeep, and one of your top metrics is long term reliability? :wtf:
You should spend some time on Consumer Reports and see how long it takes you to find a FCA product on their "Most Reliable" list....... You'll find at least 2 Toyotas in the top 5...
You're also dealing with familiarity. The 4.0/5sp is a good, reliable combo. The people claiming it's "sluggish", well, I don't agree. It's fine. Not a sports car nor is it designed to be. But if you jump on it, it'll certainly get up and go.
There are a lot of complaints about the 3.5/6sp combo in the new Tacoma. I've driven one as a rental car and I wasn't completely turned off, but there were some definite things that needed to be ironed out. Grass isn't always greener on the other side of a redesign.
I got a massive discount on my '17 ORP CPO in May, but it seems that prices have swung back up since then. If you're not too concerned about safety features like BSM or radar cruise, or CarPlay/Android, a CPO can give you a good discount depending on where you are, and the new rules with extended warranties were a deal-maker for me. 7yr/84k from date of purchase, not In-service, so I'm fully covered through 2027 and nearly 130k miles, well past my loan.
You can not go wrong with a 4Runner, but you already know that...