Terribly ignorant statement. Your 40k vehicle is worthless if the rubber that meets the road sucks, and the yoko's and bridgestones that come standard on the 4runner limited are pretty bad. Tires are one of the most important, if not the most important parts on your vehicle. I cant belive the amount of people i know that simply dont care about their tires, and think all tires are the same.
Finally some wisdom.
The main FACTOR when driving in hot weather or cold weather is ADHERENCE. Usually four season tires are good untill you hit +7Celcius and start deteriorating.
If you live in a place where it gets colder then 7Celcius then unfortunately, your stopping time will increase as well as your adherence meaning you are more likely to lose control, slip, skid, etc....Best way to describe it I suppose is as if your $40k truck will be riding on hockey pucks on ice....
Its your call...I paid 20k for my 2006 and first thing I did is get my set of winter tires.
cheers