One of the designs I don't like our vehicles is the filter. It's part of the pump INSIDE the tank. With an external filter the dirt is removed from the system every time you replace the filter. Since you don't change the filter on the 4runner regularly like vehicles the dirt is left in the system.
So it might be good practice to put some cleaner in the tank every once in a while to keep the injectors from getting clogged.
As for detergent in gas...well it's not as much as you might think. And that doesn't eliminate any sediment that sits at the bottom of the underground tanks. When I had my pathfinder I replaced that filter every 3 months (about every 12k miles)...and it was FILTHY. My 4runner is now 8 years old...I can't imagine the amount of dirt is in the tank or the filter.