I would replace my 2003
I would replace my 2003 4runner with a 2020, but it just keeps going albeit a bit rusty.
Paid ~$31k in 2003, prices really haven't changed much compared to other things in life. I get 21MPG on the highway (V6 w/17" wheels, K&N filter, changed spark plus once and on 3rd battery).
Only recently are things starting to require service beyond oil change and fluids-- that is quite a run! Whether in rear-wheel drive or 4x4- the 4runner is fun to drive and still has plenty of power.