Welcome first of all! I'm a fellow MO resident as well (Webb City) and currently own 3 3rd gens. These 3rd gens are almost bullet proof if properly maintained going 300-400+K on original drivetrains. Its the rusty frames, lower ball joint failures, and pink milk shakes (transmission fluid mixing with engine coolant) to name a few common failures you need to be cautious of. This link will help you out a lot if you haven't found it yet.
http://www.toyota-4runner.org/3rd-gen-t4rs/82033-3rd-gen-4runner-buyers-guide.html
Also, look up Timmy on youtube if you would like to save money and do repairs/upgrades yourself.
https://www.youtube.com/user/mtbtim65/featured?disable_polymer=1
I'd be willing to help you out but live 4 hours away. Feel free to PM if you like and I'll give you my cell phone number. I'd give you my opinion on things (I've been a Yota enthusiast for 16 years).