Welp how about this: Build a nice steel building on your MT property and store the truck and/or TC there and drive the RAV from home. Or store the RAV there. There will be room for all your excess camping, chainsaws and homesteading equipment as well. Another thought was to put in a well.
It sounds like you have a great setup w property, truck, great TC, a wife willing to go along so I wouldn't dwell on the perceived limitations. Inch along step by step, no reason to get rash and step up to a 5500 right now.
(It took me a couple years to understand that payload ratings are based on more than the physical ability of the truck so over time w a few mods your current truck may be all you need.)