I've owned 10 4Runners since…
I've owned 10 4Runners since 1989 and bought extended warranty, 7 years 100k on all totalling $12k. I negociated a 10% discount on all the warranties at the time of purchase, otherwise said id consider it laterr from 3rd party. Total miles driven between all vehicles has been 1.3 million miles. I've had less than $2k worth of warranty repairs over all 10 vehicles.
My current 2005 has 330k miles and have considered a new one. BUT I figured I can repair this whole one for $25k vs $70k for a new one. I'm 75 yo so I likely won't out live an extended warranty, but can live out with the extended vehicle.
If I was buying now definitely would by the added warranty negociating a discount. Why, because of the complicated electronics. If the computer goes out it can be $5k easily.
By from your local Toyota dealer because they have the most to win with your happiness. Repeat and recommended business.