Your same thoughts, plus more on some options
My husband and I are both 63, and last year we had the exact same thoughts as you. Fearing the new generation would come out for 2024, we purchased the 2023 model Off Road Premium at a time when dealer lots were still empty here in Hawaii. We had to purchase from another island and have it shipped to our island just to get one.
Because of the limited inventory, we took the options they had available.
KDSS (not popular here because it is more complicated to lift, but we weren't planning to lift it). People said we'd like the KDSS ride and we do.
Moonroof, which I've never owned and didn't want the possible problem that might be associated with a moonroof. I have since found out that it is a feature I love! It makes the interior of the car brighter and more cheerful with a push of a button or just sliding back the sunshade. And when it rains it is just as easy to close. Another unanticipated moonroof perk is that it makes wildlife photography easier, because it is easy to park and take a photo without getting out of the car. Animals don't seem to mind cars, but will run when you get out of the vehicle.
I like the additional cameras that the Off Road Premium package added, like 360-degree overhead view, and curb view.
Running boards: At 5'3" and with guests and grandchildren occasionally riding with me, I love the running boards.
I really love all the safety features that come with a Toyota.
Coming from an xTerra Pro (which we loved and would still be driving if someone hadn't turned in front of us on the highway and totaled the xTerra), we wanted the 4-wheel drive and the electronic rear lockers on the 4Runner Off Road Premium. We wanted a vehicle that could take us anywhere we wanted to go on the island and the Toyota 4Runner Off Road was the most like our Nissan xTerra Pro in that respect. Plus it had additional bells and whistles and safety features that weren't available when we bought our xTerra.
Our 4Runner has ended up a luxurious pavement princess though. If we're going OFF ROAD, we take my husband's Ford Bronco, because it has 11.5 inches of clearance, even though it means I need a stepstool to get into the Bronco without throwing out my shoulder; even though the Bronco is noisier than the 4Runner; even though the Bronco’s ride isn't as comfortable as the 4Runner, even though the Bronco is windshield rock magnet, and even though the Bronco is always dirtier.
I think you'll love the Toyota 4Runner Premium. I do. Since you don't drive that many miles per year, you won't mind that the gas mileage isn't great.
I agree with the person who said, if you don't plan to use the 4-wheel drive features, make sure you use them occasionally to keep them working properly.
Hope that helps.