Water crossings are not an issue. But those steep, off-camber sections with big rocks. I know I would be missing Low range and rear locker. Most places, the roads are fairly well-graded, so I wouldn't have to worry about them much. But you just never know what you might find around the corner. I guess I could hold off on the lift, just add A/T tires, and buy some Maxtrax and a hi-lift.First water crossings are not ideal for any vehicle. I doubt that 4runner owner thought about diff vent extensions, and greased up/ sealed wiring harness plugs. Wheel bearings etc.
The Toyota is no more water capable than Subaru other than intake height.
If you got a new(er) Tacoma or 4Runner, and say got 19MPG average. And 28MPG average on the Subaru. At 25k miles, $2.5 gas price, you'd be $1,057 difference. I run 85 in my Tacoma and it does great.My fuel savings at 25K miles/year would be about $2200, so would save roughly $11K in 5 years. Maybe a little more, since I run 91 in the Tacoma, and if I got a Subaru I would do 87. For some reason my Tacoma does not like the lower octane when I have tried running it.
I am keeping my current Tacoma, so anything like that...I'll just take the Tacoma, and to be honest I rarely do water-crossings in the Tacoma, as I usually park it at the trail head and use the bike.
There was a couple miles of this in one of the areas I like to go. Couple "oh chit!" deep spots along the way, was trying not to get wet that day too...
Those forest roads can be so unpredictable. One year, it is fine. The next, it's almost impassible. I don't know what my tolerance for risk is for stuff like that.