One of my friends has approaching 400K on a 4Runner V8, and still uses as his daily truck.

I would suggest starting to look at tie-rod ens, control arm bushings. Without question, your struts will be toast...bumper bounce works on oil damped shocks, not too well on your Toyota.

Do the maintenance. Keep the paid-off truck. Enjoy it.

My $0.02.

1987 Raider - Roxy
1988 Mighty Max 2.6L Turbo - Pearl
1997 Mountaineer V8 - Freddy
2000 Excursion V10 - Freya