We got some 4 cylinder haters in this thread!
I have never once heard of a timing chain breaking on a 3RZ 4 Cylinder. Even if, we have non interference motors. It might scrape the timing cover... lol
I guarantee you've all seen very many of them, any time you see a 4Runner with black plastic unpainted mirrors and door handles, it's sporting a 4 cylinder. Keep your eyes peeled. I constantly see them.
The 2.7 is obviously less powerful, but it's not THAT bad. See the 22RE, while a great reliable motor, trying driving a 2nd gen with one of those. It's ungodly slow. The 2.7 does have about as much power as the 3.Slow, but you all have to remember that the reason no one likes that motor is head gasket failure.
Slow can always be fixed on a 4Runner

Add an intake, do up some fancy exhaust from header to tip, Electric fan, underdrive pulley with underdrive alternator pulley, balance shaft removal (instant 15hp), don't even get me started on boost. It's a very bulletproof and boost hungry motor.
There are also less parts to replace, and less parts to break.
I also need to mention that with proper gearing, you can benefit. The increase in gas mileage is nice, and the cheaper maintenance is nicer. No timing belt to worry about
So, while it may not be as fast, it's sure as hell not a bad motor. 3RZ is a badass motor, a built 3RZ would kick a built 5VZ's ass
Watch it, haters
Not saying you shouldn't buy a V6, god no, but don't be so quick to slam the 4 cylinder down. It's a hell of a motor.