Seriously, Pitbull, if you're agonizing over this, then i would suggest that you go ahead and DO IT. Now, you may want to save some more $$ and get a BRAND NEW TLC or LX. (I would.)
Remember, 2006 may be the current TLC/LX last year before redesign. Spend some money and get the new V8 VVTi engine along with LED taillights (very cool thing)...basically, you justify it by saying that you got the latest and best TLC/LX470, rather than "settling" for something less like a used TLC/LX with old motor!!
Trust me, you will NEVER be satisfied until you do it. That's just life and human nature. I have been through this quite often...i have had a new vehicle every year since 2002. I am finally settled on what i have now........i think.
This thing will slowly eat at you...you won't be happy if you get anything less than TLC or LX. WATCH OUT...after getting a used TLC/LX, you may then kick yourself in the butt for not spending the extra $$ to get the NEW TLC/LX with the new enhancements! And then this cycle starts over again....
So, do yourself (and your wife) a favor, go out and get a NEW TLC or LX so that you can baby it from the very beginning ("i know everything about my baby since mile 1" is a good, satisfying feeling). Suck it up and buy one.
Is buying a car ever a logical or financially smart thing to do???!!! It wasn't in my case, but i am a happy person now. Peace of mind is priceless.
Good luck.