Hi BlueDog007,
I struggled with the same dilemma when I bought my 1'st 4Runner. It was a 1998, "Candy apple red" SR5. I truely loved that truck, and it was the newest, late model vehical that I had ever purchased (1- 4-02).
A few days after that, I found out that my cousin 'Robin' had just bought her 1'st 4Runner too; a 1999, "Emerald Green" 'Limited'. I had never seen the inside of the limited, never really new what that meant....until I saw her truck in her driveway
: \
O.M.G.! It had those truck fender flares, and that white leather interior, wood trimmed dash...etc. When I saw it up close, I think that's when I first knew the true meaning of envy! I spent the next few months, wondering....."why didn't I get the limited?". And like you, money wasn't an issue, I just didn't know how HUGE the difference was.
But this time when I bought my new 4Runner, (and I mean NO disrespect to those who are enjoying their SR5's; they're still great trucks) but, it would be nothing less than a Limited!
Not too many feelings are worse than..."buyer's remorse", especially when you're spending
$40,000+, and you can actually afford to go "Top of the line", but didn't!
P.S: If you get a chance, check-out my SR5 (just click / touch my avatar)!
Greg (rigtec) Best regards!