When you go to purchase your 4Runner, make this part of your negotiations. That's what I did.
I have a SR5 with the premium package but I'm in Florida and subject to the tyranny of Southeast Toyota. They install their own leather (both on the seats and the doors) at the port in Jacksonville. They skimp by not giving you a leather steering wheel and shift knob. I wasn't pleased with this so I insisted that they get me a leather steering wheel and shift knob as part of my sale. They did and installed it for free. If you bring this up late in your negotiations, you can get it done for zero additional cost because they just want to close the deal. My 4Runner arrived with the plastic wheel and I drove it that way for a couple of weeks before I got it back in there for the leather one.
The point is, it can be done. I love my leather wrapped steering wheel, way better than the plastic. I also considered the aftermarket options and concluded it would never be the same.