paulnohio,
I say keep the 4Runner. Like what others already have said you can always get a loan for the extra $$ you need and a lot can happen in nine months time. I would reconsider keeping such a well built and reliable vehicle especially when you are going to have bring your precious new baby home from the hospital for the first time (especially in SE style). It pays to drive a well handling, strong, and reliable Tahara built tank.
You won't be on your own either. I'm sure you will have tons of stuff from baby showers, gifts, family, etc. Your whole family and friends will be looking out for you and your wife. I have two daughters and when my youngest was born we couldn't get enough gifts. We still have diapers and other stuff brand new and she doesn't even fit into them anymore. The only thing that will suck are the sleepless nights and tons of baby formula you have to buy. You're also going to be needing a reliable vehicle to shuffle back and forth to those monthly pediatrician appointments for the first several months too.
It's interesting because my new baby daughter was the sole reason I bought my (or rather her) new 4Runner back in September this year. I needed to replace my wife's POS '90 Nissan Sentra with something better and more reliable. My decision on getting the Runner was absolute after driving everyone else's and liking it. I know everyone's financial situations vary greatly, but since you do own the vehicle outright you won't need to make payments anymore (other than insurance, gas, maintenance). At the risk of sounding cliche though, you can't really put a price on peace of mind and the joy of owning a 4Runner (especially an SE). I wish I could get an SE but we needed the 3rd row option for the younglings and relatives. Just think about it, you are going to have extra precious cargo in nine months, and the 4Runner makes a great off-road capable baby carriage. Ok, sorry to get slightly off-topic. I'm going to catch up on sleep now (it's a lot of working when they start walking).
"Kids practically raise themselves, you know, with the internet and all." -Homer Simpson