Yeah I would say if anyone was in the market to spend $25K on a 4Runner then that one would be better than a 5th generation.
I was having a problem in my area also (Raleigh NC).
Every "decent" 4Runner I saw was not only $8K+ but virtually all of them were rode hard and put away wet.
The last one I looked at prior to the one I bought was $7900, had 130,000 miles but looked like it was left out in Africa with the doors open and let wild animals run through it.
Had crappy wheel and tires, no lift, old battery, dents and scratches, no sun/moon roof.
I just got WAY lucky and got mine for $7,700 and in great shape with basically new everything, plus a 3" OME lift with 883/891 coils, new shocks, new tires new rims, external trans cooler, tundra brake upgrade.
I am just going to put on a pair of rock sliders and do a total fluid change to 100% synthetic and I should be good to go for quite awhile.