Obviously I own a 4runner a 2015 to be exact. My situation is almost identical to the OP. My new TT is a Riverside Retro 180R with an actual dry weight of 3560 lbs. I've researched the hell out of whether my 4Runner will work with that TT. What I've found is the people who just look at the numbers say it's not a good TV for that TT. Then the people who have actually towed with their 4Runner in a similar situation say they've had no issues at all. Maybe the 4Runner is underrated? I don't know that answer. I can give my assessment in a couple of weeks on how it works.