That really sucks. I was in the exact same spot April 06, I totalled my 00 4Runner, which was the vehicle I had always wanted. Mine was a 2.7 5speed w/ low gearing and most SR5 options, not an easy truck to find. Of course I had added alloys, a TJM leather seats and other items. I tried to warm up to the new Tacomas, 4th gen Runner and even the new Xterra. But it came right down to the 3rd gen is the only vehicle for me. I ended up w/ a certified 02 Sport Edition and so far I am loving it. I do miss the 5 speed and ease of working on the 2.7, but the 3.4 isn't bad. So I say go for a 01 -02 3rd gen.
Now I am not saying get the 2.7, which I would given the chance, but the 3.4 and 2.7 do not get the same MPG. I averaged 20-22 w/ the 2.7 and saw a high of almost 25 on a trip through NY. Driving under the same conditions I average about 16-18 w/ the 3.4 and my high was 22. To me 3-4 MPG is a big difference.