I own a 2001 V6 SR5 4WD 4Runner. I am in the market to purchase a boat. I am wondering if anyone has met or exceeded the towing capacity rating of 5000lbs. I am currently looking at at boat of about 3900lb dry weight and an 900lb trailer. This should bring me right up to the limit with any gas/cargo in the boat. Has anyone towed this, and what was your experience. Any recommendations for towing this weight (i.e. transmission cooler)?