We were happy with $2700 off of the sticker price or 8% for comparison purposes. A 4X4 is only $1,750 more? Wish we had gone that route but the gas mileage suffers slightly, no real need for it in Houston either. $32,500 is a good price with leather and no moonroof IMO.
Mine is a 4x4 Black SR5 with Black leather and 3rd row. The sticker price was $38,238 and I think I paid $35,700. I thought the price was reasonable, especially since it had to be ordered and built for me.
Another suggestion is look for a dealer in the city. I don't know if this is the same for everyone else, but the dealer in the county had my exact same sr5 4x4 for 3k more than what the dealer in the city had listed.