not to tell you your business but, have you considered spending that 5 g's on a dedicated wheeler? also, with the additional lift and such you'll be spending more on gas that could go towards a wheeler. what kind of wheeling do you do? i get the sense that when you say "goes through" you just mud it...
before my yota days i built a jeep xj which no matter what people say about jeep on this forum, is a great wheeler (not so much as a DD). dana 30 and so on. i bought another 96 xj with 124k 2 months ago for $750 with it needing only minor things (i buy and sell to pay my tuition). an xj+$2-3k in lockers, lift, beadlocks and general "beefing up" etc. gets you one hell of a wheeler. plus, no wear and tear on your DD and you can bang it in to whatever and not feel so bad.
only drawback is more insurance, but plpd on my xj was $35 a month 2 years ago when i was 17 IIRC.