Here's the good news: I don't think you can go wrong no matter what decision you make.
I bought the Limited for 3 reasons:
1) I liked the stock wheels better than the TE's stock wheels
2) I wanted Leather
3) I wanted the 12 speaker JBL
The 12 speaker JBL is definitely NOT a reason to buy the Limited— it's exceedingly mediocre if you're used to even average quality aftermarket audio.
Although, realistically, I will never take my 4Runner off road to the extent that it is truly challenged (because in Florida this requires sinking it in mud), I DO wish I had bought the Trail.
The wheels on the TE have since grown on me, I could have swapped leather in, and I really, REALLY envy all of you jerks with KDSS and the awesome Diff Lock button and grey wire mod. (HAVE I MENTIONED I HATE YOUR COLLECTIVE GUTS LATELY? WHY DO YOU AND YOUR F*!%#^$ 4RUNNERS HAVE TO BE SO MUCH COOLER THAN ME AND MINE?:ybrick
OK, I'm joking. But a really do envy TE with the KDSS / diff lock. Even if I wouldn't have used the off-road toys that much.
It's kinda like my AR-15 and my FN AR— even if you don't use them, at least you know you HAVE them. :AK47:
Your choice doesn't have to make sense to anyone but you. Just remember, you can't go wrong.