To the OP here - I have to agree with Jay and to my own conservative fatherly side with two kids in your age range. As a 21 year old in college, keep the Taco. Gas alone with an 80/100 will kill what budget you do have. I agree with other comments that a well maintained cruiser 'may not' cost as much as is being said for maintenance, but remember, these were not cheap trucks when new ($46K for mine back in '94) and parts are not cheap from Toyota. One major repair like the front knuckles will run you some major $$ and a head gasket is worse. Basic fluids, etc. not at all.
'94 White LC; Kaymar Rear Bumper w/tire carrier; Hanna Sliders; ARB winch ready Front Bumper; Slee Transfer Case Skid Plate; BFG MT KM2 285's, OME 850/863 Heavy 2" lift, INTI Rack; Warn M12000 Winch, Snorkel; Sputnik!
TLCA Member #13420; KI6SGO