Are u monitoring ur trans temps?
As I built my "overlander" and my mpg went down I found the best way to increase said was by changing my driving habits, 65 mph (auto, 4:30 gears, 32.7" tires currently) I have found is the sweet spot. I like the 3rd gen because of its size, which allows me to get around in the back country easily, but I also like having my creature comforts and being self sufficient which means carrying a lot of gear, water, tools, parts, food, recovery gear, etc.
What type of weight r u talking about?
I am pretty sure i have one of the heaviest 3rd gens on here (my build is an overland/rock crawler) and I get 15.5mpg hwy and have decent pwr driving Calorado's mtn passes and do not have a SC, yet (I meant to spell it that way). As i added weight I also felt i didn't have enough pwr, I found myself struggling to get up mtn passes even with WOT. What I was doing was overheating the trans, getting heat soak, which in turn would heat up the engine, the oil, coolant, etc... all of which as u know are not good, and lossing the pwr I was after. Point being is the issue is not the 3.4L pwr (assuming its health), it is getting the pwr that the engine can produce to the wheels. Where I started was by identifying and figuring out how to remove as much parasitic drain from the system as i could.
I started by getting a way to monitor my transmission temps so I could better understand the heating issue. To get my trans temp in check and restore factory function and reliability I rebuilt/modded my valve body with the transGo kit and the sonnax o-ring end plug kit. Swapped the transmission oil pump 4 a Lexus v8 pump with 11.7mm gear vs the 9.5mm 4runner gear. (dont quote me mm just what i recall off the top of my head). I removed my trans fluid air cooled cooler from going into the bottom of the radiator (I know peeps will try to say this is a trans fluid cooler, but it is not, its a trans fluid warming to bring said fluid up to optimal running temps quickly. I don't want to get into a lengthy explanation as the subject has been thoroughly beaten to death on this site). Furthermore, I added an idiot light to visual know when TC lockup was occurring, IMO i many peeps r confusing the OD kicking on/off for when they think TC lock up is occurring. The ability to visible know when lockup is occurring has further changed my driving habits and allowed me to regulate trans temps better. Using the TC light and in my case (2000 model yr) OBDII trans temp info I can drive my fat overweight 4runner up and down mtn passes and go wheeling with a good amount of pwr and mpg by not overheating the whole system... For further cooling while wheeling I have made some other mods but these r not necessary 4 hwy uses.
There r some other things I could add but guessing i have rambled enough 4 this reply.