Wallstrum,
Welcome to the board. Personally, I would pick whichever Runner is within your budget and the trim-level that suits your taste. As for the urban vs trail thing, as was mentioned before it does depend on how well it was maintained.

But, there is a school of thought regarding a 4wd that has at least been used off-raod every so often as it indicates the transfer case and front axle assemblies have been run which keeps the internals lubricated at least once in a while. Keeps things like seals from drying out, and lube on the internal parts. Maybe some others will jump in here on this aspect.

But again nothing beats normal maintanance, and some records to back that up before you buy would be a bonus.

Good luck.

Ricochet