Many of us here modify the suspension (lift the vehicle). The key is HOW WAS IT DONE & HOW WAS THE VEHICLE USED.
3" is right at the mark where it is recommended to change the UCAs and drop the differential. I used the Eibach Pro Truck Kit and their lift is stated 2.75" front and 1" rear. Being that the difference is .25" (who could seriously tell a .25 inch difference (except possibly members of the opposite sex :biggrin2::biggrin2::biggrin2

), I checked with Eibach and they stated 90% of their customers DO NOT replace the UCAs or drop the diff.
This will get to the how was it used. My 4Runner is used around town and someday i hope to get it on an 'easy' trail here in AZ. If I wheeled the heck out of 3 weekends a month, I would have done the UCAs.
I achieved what i was looking for from the pro truck lift kit: better stance, slightly firmer ride, no brake dive, all around better handling.
That said, i would not buy ANY vehicle if I could not test drive it and given it's a lifted 4Runner I'd want a serious test drive. Lastly having the stock wheels is not necessarily a bad thing as it will allow you to eventually pick your own wheels.
FWIW, before i got my 2018 SR5 prem, I test drove a 2017 limited that had been lifted. The vehicle bounced and bobbed over every bump, stop and start. Between that and the JBL (just barely listenable) sound system, I told the dealer to keep it.