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the mileage is super low and that is great but i think the price is high. I get that these hold their value and all and maybe, just maybe if it is super clean it would be worth it . You should see what your insurance would pay out in case of a loss, that difference might be enough to keep you away. I bought my kid a 2000 limited a couple years ago from a dealer for $10k and that was probably just about right for this area and it had 105,000 on it and was pretty clean with no rust. Good luck and if you get it post up some pics!

 

With a purchase like this, more and more it comes down to how much you want it, and how easy it is to come by similar examples if you pass on this one. Whether it's 'worth it' financially, or will retain its value in dollars, only has meaning if you plan to sell it again later. If I was buying a nice older vehicle, it's doubtful that I would have reselling in mind. I would want to keep it. So then, the question is whether it's worth it to you - unless you plan to sell later.

 

I already have a 99 that is near mint i drive daily. Im on the fence because I don’t know what ill do with it. I don’t know if its worth buying it then decide what to do or let the opportunity pass.

 

Ah, that is a dilemma.

 

There a lot of 3rd gens out there that have been drawing pretty high prices. Maybe unjustifiable, but prices keep creeping up there.
Might be the reliability/collector/nostalgia crowd. But the used car market in general has ballooned because of the current bs going on.
It's hard to find a new 4Runner that's not way over msrp right now.
A low miler like the one your looking at probably won't last long.

Here is a barometer of recent sales. Scroll down and it will give you plenty of examples with good descriptions of condition and modifications.

https://bringatrailer.com/toyota/4runner/