Tow ratings are kind of a farce - my '01 CTD is rated at just under 14k lbs max trailer weight, but with good trailer brakes and my exhaust brake I have towed gooseneck loads in excess of 20k and been comfortable with my performance. On the other hand, I've towed with medium sized SUV's and Trucks (Tahoes, F150's) rated for nearly 10k lbs and felt unsafe at barely over half their rated load. Wheelbase, weight, trailer type, and a good bit more come into play, but most importantly braking. Lots of vehicles can drag a good bit of weight- much fewer can safely stop that weight. Their is absolutely no way I'd tow the load you're talking about with either a tacoma, or 4runner. I'd think you'd be much better off with a properly set up LWB SUV or truck and good set of trailer brakes and well balanced trailer.