That is correct; the lower the number, the further it will push out away from the hub.
With that said, you have to take an aftermarket wheel’s width into consideration as well. Almost all aftermarket wheels you typically see on a 4runner will be wider than the trd pro’s 7 inches.
Good call…..that would definitely have an impact. So many variations……arrrrgh! But, that is why I reached out for help. Could be an expensive mistake if I do not think this all the way through first.