'99 LTD or Sport/Highlander model with the elocker and multi mode automatic transmission. 2WD to AWD to 4H can be done on the fly up to 60 mph. Push button convenience switching from 2 WD, to AWD (front, center, rear diffs open), to 4H (center diff locked), to 4L (center diff locked), to 4L with elocker (center and rear diffs locked). The locking rear with 4L makes a substantial difference getting through, over, or out of things (including sand and mud, I assume). It helped in the snow a couple of times this winter.
I am not a hardcore offroader and it is my DD, so I want to minimize the wear and tear on the truck while being able to handle trials I might not otherwise choose. I like being able to push a button and continue moving forward with the least amount fuss. It allows me to drive over things very slowly with much more grip and much less wheel spin. Slow reduces the bouncing that whams the undercarriage and rocker panels on the rocks or whatever. You may find yourself wanting to navigate tougher trails later on, so why not have the elocker?
99's have highest stock ground clearance, which improves the functionality and appearance. Earlier years have obnoxious cup holder layout and do not have the trick storage panel in the rear right cargo area. LTDs have bigger fender flares, leather, and lots of nice convenience features. The Sports/Highlanders have more subdued trim and the hood scoop, whose only function is aesthetics. I think all of the LTD options were available on them. I suggest a fabric interior. Wears well, breathes better, cooler in summer, not so hard and cold in winter, less slippery, just more comfortable.