2014+ 4runners are almost the same now. all 4runners now have the same skid plates. The Sr5 and TE share the same rocker covers now. the only difference that really matters is the E-diff lock, and KDSS, (the crawl control and everything is pointless IMO).
The reason we went with the SR5 over the trail is that..
1- The sticker price was 5.5k less than a trail with the same interior options
2- Getting KDSS is pointless if you are going to lift it, and the ride quality wasn't that noticeable different, if any at all than TE vs SR5
3- ARB makes a front and rear AIR LOCKER kit that is only $1600 when its on sale
4- Wheels, who care when you are going to probably replace them down the road, and we like the look of the SR5 wheels.
5- bumpers are the same(besides the pointless silver trim on the lower bumper)
6- And we have a 3rd row for soccer practices(the pull out tray we think is pointless, just a gizmo to widen peoples eyes and think its cool, we looked at it, tested it, and decided it just takes up room)
7- approach, departure, and ground clearance is the same.
so for 5.5k you are paying for a locker and a slide out tray. for 5.5k we have got Front and rear lockers(not ordered yet), a lift, sliders, building my own rack, tires, a trailer, my wifes 4wheeler, and a lot of camping gear.
yes I don't wheel it every weekend, and it sees pavement 95% of the time, but it has seen the trail more than most of the TE 4runners that I see around here.
just my .02 cents, I see a lot of people throw in the air they have a TE premium and its way better, possibly the 10-13's, but now the gap is narrowed, and your only buying a badge.