I guess my logic may be off, but I don't agree with the notion that adding a properly engineered (geared) tranny with more gears is not beneficial for the current 4runner? I am by no means educated in engineering or have much experience in automotive technology but look at the evolution of the last gen, it gained a 5sp auto versus the 4 spd with no negative effects. Also look at all the smaller econo cars with 6sp trannies that have limited torque output. How is the 4runner any different? Yes, adding an 8sp tranny will not make a night/day difference in real world MPG, but gaining a MPG or so is huge with the new CAFE regulations coming soon. I also feel the new transmissions with 6 gears or more must be properly designed to use the powerband of the motor precisely. I imagine this is how the small 4cyl cars with 6 speeds manage excellent MPG while delivering good acceleration and smooth shifting.
There are numerous Crossover and standard SUV's with 6sp(or more) trannies that are able to tow and cruise on the highway just fine. As for them being less reliable etc, dont really believe that either. Lexus has had their 8spd in the LS for quite sometime without issues I know of. Yes, there are more gears, parts, etc, but nowadays, the technology has existed for years and being perfected with each following generation.
All in all, I feel extra gears do help and truly are beneficial for the everyday car or truck if integrated properly of course