I have the same 4-banger in my 96' SURF/4 RUNNER, the 3RZ-FE! It's an excellent engine for everyday driving and strong enough for occasional off-roading just as long as you won't tow a boat or something as heavy. It's very economical (22-24 mi./gal. mixed hiway and city), reliable (just change oil regularly, every 10,000 kms. for me) and bullet-proof! Its also the same engine on the TACOMA Pre-runners in the US, and the Hilux here in New Zealand and in Australia! Go for it! you wont regret it!