What I don't understand is this. The limited with 20" wheels comes with P245/60r20 @ 32 PSI. The load rating is 107 and at 32 PSI this equates to 1973 lbs, much lower than the other trims with 265/70r17.
Then subtract 10% to convert to an "LT" rating and that comes out to 1794 lbs.
Looking at the inflation table below for a LT265/70R17, 35 psi gives a load rating of 1890 lbs, which exceeds the Limited's stock tire load rating at the suggested inflation pressure.
https://www.toyotires.ca/sites/default/files/application_of_load_inflation_tables_20170203.pdf
Does the limited have a significantly lower payload rating than an SR5/TRD Off Road or TRD Pro?
If it does not, it means that the payload rating limitation does not come from the tires, it comes from the chassis/suspension/stability control tuning dynamics and you can safely run an LT 265/70R17 at 35 psi up to the 4Runner's maximum payload rating. Toyota therefore recommends 32 PSI on the 265/70r17 tires not for payload capacity but rather to maximize fuel economy.
Unless I'm completely lost