Billinwoodland,
Everyone has their own reasons for whatever kind, make and model of toad they choose. At this point, it seems you're pretty "head strong" (for lack of a better phrase or word) for the Toyota 4x4 which, cannot be flat towed. You say your a bit away from retirement and are basically just looking way ahead to sort of get "setup" for when the day comes.
Now, you have your reasons for wanting the Toyota. And, don't get me wrong, I've owned Toyotas and I think they're a great vehicle. My little Toyota truck, an '84 SR-5, two wheel drive, was an outstanding, dependable machine.
But, since you have a choice, and are not pushed for time, why not make it way, way, way, easier on yourself by not getting the Toyota and THE DOLLY, and go after a number of 4x4 vehicles that can be flat towed without ANY modifications what so ever. My goal, as well as most retired RVers out there, is to make life simple but, still enjoy what you like. Jeep Wranglers, the 4x4 versions anyway (apparently there are still 4x2 versions still made)are all flat towable. Yep, they're not a truck but, it's a 4x4.
There are GM and some Fords that are 4x4s with a "neutral" in the transfer case that can be flat towed. All of which has no need for the dolly. I've never owned a dolly and never, never will. Some don't have any problems with them in trying to store them in and around all the camp spots you'll be getting.
Again, you have your reasons for wanting the Toyota and, if you don't mind the inconvenience of having that dolly and/or the extra step, each and every time, you hook up and un hook, for camping and traveling. Good luck and enjoy your upcoming retirement.
Scott