Man, 2010 with 46K miles? You can get a new SR5 for that with ZERO miles. I got a new SR5 4x4 with powr seats, XM, Sunroof for $34,300....WITH bumper to bumper 84mo/100K mile ext warranty AND them giving me HIGH kbb book on my BMW. Were I not saddled with a trade I would have negotiated it down even another $1000. I got 4% on what I financed through my credit union. I was like you, lookin for a 2010 CPO @ 2.9 but the same trucks....a year older with 20-25K miles were listed for MORE than I paid for a new 2011. CPO is the way to go but on a 1yr old 4Runner it does not make much sense when you can get a brand new one for the same money. 
