I have had absolutely no problems with my Tacoma. My Tacoma spends just as much time in the dirt as it does on the road, and I drive very hard offroad. The only thing I have had go bad was the clutch started slipping at about 30k miles, but this was due to the extra power from the TRD supercharger combined with my hard driving style. This truck has been great to own and I would never consider owning any other other truck.
The TRD package is a must for anyone who plans on 4wheeling their truck. The rear locker has gotten me through countless tough situations.
The TRD supercharger is a great upgrade to the 3.4L Tacoma, especially when you add the URDusa fuel upgrade kit.