Hey, Merry Christmas! To me, it doesn't really sound like headgasket issues. If you were burning that much coolant, your dash would be more colorful than any light show. I think it's more likely you have a leak somewhere. Which isn't always reassuring, but is better than a headgasket!
I'd take a look under the vehicle (corners of the radiator, under the water pump, around various hoses) for dried coolant residue.
The gurgling behind the dash is caused by an air bubble in the heater core (the highest point in the cooling system, so where air will settle). While the bubble *can* be caused by a blown headgasket, they can also be caused by air getting introduced to the system via a leak. Which I think is what's happening here.
For now, I'd just make sure you keep it topped off with coolant and don't let it run dry. That'll be the biggest risk at this point, cuz then you *will* blow a HG/cause bigger damage if you overheat. Also, be sure to use Toyota's coolant specified for your year 4Runner. It should be either Toyota red or pink (which are, naturally, different and more expensive than other red/pink coolants out there).