Are you sure you want a 2WD. I had a 2WD xterra before my 4runner and regretted it everyday. I am averaging 20mpg and getting 23mpg on the hwy so I have a hard time believing the 2WD would be much better and besides Toyota 4WDs are legendarily capable and reliable.
Also, keep in mind the difference in MSRP will be made up on resale or trade in.