Your best bet for all things Tacoma are to check out the site over at TTORA.
www.tacomaterritory.com
VERY knowledgeable and they will kill you if you don't use the search function.
I bought a taco instead of an FJ and I am very pleased with my decision. Yeah, I would have enjoyed the Torsen center diff, but when all was said and done I saved myself almost $10K by buying the TRD OffRoad Tacoma over the FJ. I still got a 6-speed manual, locking rear diff, and the added bonus of being able to turn off 4 wheel drive. Badass truck.
I've always been a full size kind of guy, but I won't look back. It's amazing the ability these trucks have.
I'm not a big fan of street trucks, but... I like the XRunner. Toyota is working on the supercharger, URD has one out that with the 7th injector kit and cold air intake is adding nearly 100 rwhp. With exhaust/headers/gears, I think you could probably smoke a Ford Lightening.
On hauling a quad, you would just have to try it out and see. Payload is 1500lbs on mine - almost half that at 875lbs for the XRunner, also the tow capacity is about half at 3500lbs for the XRunner. So, yeah, it's a hot little truck but it's just barely a truck because it has a bed and looks like one. It's really a sports car.
If it were my $25,000... I'd get the TRD OffRoad Tacoma with all the bells and whistles in an access cab with a 6 speed.
Oh wait... that's what I bought. They are GREAT trucks. Mine has been used as a TRUCK since I got it. Moved 3 people, including myself to Idaho. Logged nearly 1500 miles offroad. 3 or 4 road trips and I haven't even had it a year. It just begs to be driven and I love driving it.
Good luck. I don't know about Ouray yet. I'll keep checking in.
Percy