I'm with you on that. I'm in Orange County, CA and I was looking into a SR5 premium 4x4 with third row and I got quoted through Costco @ 41000 before TTL.
Waiting for 2020 upgrades, before I make a decision. Leaning towards just getting a used one and using the savings for upgrades right off the bat.
Thats pretty much the MSRP price up here in Portland, OR. But I just took a look at autotrader and you weren't lying. Its expensive down there!