From what you described as your driving habits, ignore everyone suggesting super-aggressive tires. They'll do more harm than good.
You mentioned snow, so I'd suggest checking out the
Cooper A/TW along with the A/T3. It's basically the same tire except with more siping and a winter rating. I have store brand Coopers and the noise, while nothing near the moan of a full on MT-tire, is noticeably louder than the stock highway-tread tires. Especially with the windows down.
The Falken Wildpeak A/T3W also looks exceptional, and were I buying today it would be near the top of my research list.
For what it's worth, are you wanting an AT tire for looks, or functionality? Most "service roads" can easily be handled by decent all-season or M+S tires. With the 4runner's excellent A-Trac system, the OEM tires will usually handle what most people would consider "light wheeling". This would include the occasional wash-out, deep rut, and hard-bottom creek crossing found on some "service roads". But your definition may be different, and AT tires may be fully justified. Nothing you've said indicates you need MT tires.
As for your
current tires, look for the
tread wear indicators. Usually small triangles embossed on the sidewall near the tread aligned with small humps about 2/32" tall. When the tread gets down to about 2/32" the top of the tread will be level with the top of the humps forming a continuous line across the tire. This is the absolute bare minimum for reasonably safe wet-weather driving. With a pregnant wife, living in Chicago, and with winter approaching, I'd personally replace them
much sooner. Sell them to a used tire shop for a few bucks if you think there is a little tread left.