Let me tell you why your question is un-answerable (and if anyone does they are full of it) in it's current form:
Example: I build a tower 20 ft high on top of my 4Runner and stick 1,500 lbs of gear and a tent up there and expect to drive around without tipping over. or,
I build a sling under my 4Runner and load 1,500 lbs of gear in there. Which is better? Which is safer?
Your CORRECT question would be "Calling all nice engineers: Could you please calculate the expected safe loading capacity of a 20XX 4Runner with A, B and C mods? Also include the safety factor if it's not too much trouble and also the change in CG and the relationship to lift?" Thank you guys ever so much!