i'm in this same boat. i want something 4WD that will last forever, but i just can't justify a LC without having a family and while saving for a house. the gas mileage is terrible and they are more expensive to buy used than a 4th gen. i don't NEED anything right now and my wife is quite the roadblock for this reason. she's quite frugal. "your truck is fine," she says. "it's in good shape and treats us very well" she says. "you don't need a new truck" she says, but i'm like, "WE NEED 4WD AND A TOYOTA." she said the only way i can get something new (old) is if i can sell my truck and get something for the same price, so i spent five hours detailing it last weekend and bought for sale signs on monday.
if money and worrying about MPG weren't really an issue, i'd be in an '05/06 UZJ100 right now. but i have come to love 4th gen T4rs. we're trying to start a family and a 4r will last us until we outgrow it, which is when we'll buy that LC.
good luck with your decision, OP! i'm sure you won't be disappointed either way. if you haven't already, you should head over to ih8mud and join.