IMO, e-locker retrofit is the most cost effective way to get a locker, about $500.
An ARB, after the air compressor, will be $1200+.
A Detroit locker will be $500 as well, but it isn't selectable. You will be able to keep you stock gear ratio though.
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And in addition to the 3rd member with a locker, you will need the wiring harness and diff lock Ecu from the donor 4runner. No need to swap the ENTIRE axle, but you can if that is easier than retrofitting the carrier housing on your current axle.