I am curious what you ended up with:
please say an FJ as a college student.
Buy the 4Runner If you look 20 years older than really are. Or, if you are going to mod a T4R Trail edition with Bumpers/sliders/tires/wheels...35K +++++$$$
We have both. wife drives the Trail T4R (had to have the trail edition because of the fender flares alone, OMG ) ...she really utilizes the Crawl control, terrain select, A-Trac, Locker, KDSS and traction control on the way to the grocery store :/ ridiculous package on that vehicle.
I love my FJ, however I choose to drive my modified 3rd gen 4runner 90% of the time.