I just bought a new-to-me 10,000 lb boat, and recently sold an 8,000 lb boat. I towed my last boat with a Titan XD that was rated for 9,700 lbs. With heavy heart I just sold my Titan XD and bought a true 3/4 ton rated for 15,000 lbs tow capacity to tow the new boat
Yes, the Titan XD towed the new boat with firm purpose, especially with the new trailer that has E over H
(A really nice towing option!)
So why did I finally make the decision to swap trucks even though the Titan XD towed the new boat just “fine”?
Liability.
Even though I’m sure on flat ground with short tows, your 4Runner will get the job done, in the real world there’s always the possibility that you’ll have to make a panic move while towing. Some panic moves have bad outcomes and you might find out the hard way that the 4Runner was the wrong tool for the job.
In my neighborhood, there are a lot of lawyers who would love to catch wind of the fact that you had the wrong tool for the job when things didn’t go your way and somebody else was impacted