If you are mechanically inclined, I don't think it is hard. There are some great write ups on the internet, think one or two w/ pictures on our very own 4x4wire toyota page. It may be under the tacoma 3.4l engine section.

The only "Special" tool I enjoyed was the snap on pulley tensioner press. Sears supplied everything else. First time for me took about 8 hours of work. The 3.4l is a non-interference engine so if you screw up atleast you will not destroy anything.

1995 Toyota T100, Rhino Liner, SwayAway Torsion Bars, Bilestien Shocks, Brembo Rotors, Akebono Pads, SS Brakelines, Monroe Steering Stabilizer & TRD/Eaton LSD