Congrats on the new 4Runner.
I've gotta 02 with 218k miles and it's still going strong. I've had it on the sand, surf fishing, probably 100 times or more and it's the most dependable vehicle I've owned, by far.
I've pulled a 3000lb boat with it but had to upgrade to the F150 for my soon-to-be heavier load.
The only reason I didn't get the HD was the length, it wouldn't fit in the garage. But the max payload (Lariat) gives me 1969lbs payload and that's plenty for us.
But if you need the HD, and it fits in the garage, get the HD.