Keep in mind the interest rates could change in a few years when your lease is done, if gas prices keep at the the current rise they are, the banks are more willing to deal cause taking the truck and reselling it would be harder especially if hybrids, cross overs and more fuel efficient vehicles are more popular, look at H2, Expeditions, Suburbans, they can be bought for less by leasing them and then just buying them at the end.
I had a friend who leased a 2000 Maxima, the lease bank was like give us 5000 less then what the buyout is and it's yours, since it came out to way less then having bought the car from the start he took it.
Really depends on the time of year and the amount of cars they have, if your 4Runner lease ends during snow season then they are less willing to deal cause 4x4 are hotness
Im shocked your not able to transfer the lease to a finance, my 03 was leased for the 1st 6 months and I was like this truck is way more then I ever expected, so I called my bank and was like whats it gonna cost to do away with the lease and buy it, the girl was like well to redo all the paper work would cost you an additional 150 dollars, but after they switched everything it came out to the same thing, they just gave me the option, well it's mandatory but they gave me a 6 month window to pay the buyout which they would have considered the down payment, so I figured I'll let the downpayment sit in my bank and build my interest before I give it to them

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