Just for reference (and don't let this deter you from looking at the numbers for your vehicle) we have friends that tow a 2000 3124kb with a v6 4Runner. We also have friends who tow a 2003 3023 with a v8 4Runner. The v8 is plenty adequate. The v6 does ok, but he won't win any races! I don't know configurations (tow package, tranny cooler, etc), but you can see that it can possibly be done. They both use a WDH, as do I.
For additional reference, my Durango has a GCWR (Gross Combined Weight Rating) of 10,500 lbs. (Tow capacity is listed as 5650). I weighed my trailer and TV and found the combination to be about 9400 lbs (I can't seem to find my notes now). The trailer weighed 4240 lbs pretty much as we tow it. So don't be deceived by the dry weight. So I can add about 1000-1100 lbs (10,500-9400=1100) of people and stuff and be within specs. But that is pushing it a bit I suspect.
You don't mention where you are, so another consideration is towing on flatlands or mountains. Here in Colorado I'd say my arrangement is barely adequate for towing in the mountains. We'll test it again this weekend as we tow over Berthod Pass (11,315 ft) from Monument (~7300 ft). If you are in the Florida or other fairly flat areas, you are probably ok.
BTW, I think your price is excellent! I paid $4k more for my 2003 last year!
Good luck.
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