Loud is subjective. I have a JBA exhaust which many told me is not too loud. Needing an exhaust, I bought it, but now I feel like a redneck driving a straight piped Chevy down the road. It sounds ricey to me as well.
I might get some hate, but I honestly feel that these things only sound good when the exhaust is quiet. My other 4Runner has an Autoparts International catback which was not only cheaper, but better quality than the JBA as well. It sounds about as close to stock as the other 4Runner did when I bought it new. Under acceleration it sounds really nice IMO, and people have told me that this stock replacement exhaust sounds really nice from the outside too.
Best part? No drone at ANY speed. 60, 80, 100, or any speed in between those is nice and quiet. I only get the nice noise of a well running 5VZ when I get on the skinny pedal. I can't say the same for the one with the JBA. I can't wait to get that POS off. Look for it in the classifieds around the summer.