Ive had my Tacoma for the last 2 years (30,000 miles). It currently has just over 182,000. It's hauled everything I've thrown in it including rocks, firewood, and cement bags. Loaded down to the bump stops and I couldnt even tell from the performance. I've towed several thousand pound trailers without problem. I put a few hundred pounds in it for snow storms and it does almost as well as any 4x4 especially with tire chains on. The 2.7 is a bit wimpy but it gets the job done. The only things I've replaced have been the radiator, catalytic converter (orginial one was stolen) and the brakes. I got rear-ended by a guy doing 25 and the bumper just got bent. Recommend to everyone, awesome truck!
The rear seats are extremely cramped. That is the only real downside.
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