I have taken your advice and kept looking around. The low mileage 4Runners are still a little pricey in my neck of the woods. $25k on up.
So I found a 4Runner. 80k miles, V-6, NAV Limited for $19,900. It isn't CPO but one owner from a Toyota dealer. Does this price seem better? The sales guy did mention buying a Toyota extended warranty. Do you think this is worth looking at?