I have a 06 Tacoma TRD Offroad with the 6 speed manual. I absolutely love driving it and have no complaints in just over two years. Decent gas mileage, a great truck in the city and on the highway. As for payload, I've taken quite a few loads from Rona etc. and to the dump, only once have I ever felt it was a little too much for the truck, and I was close to if not over 1150lbs on that load.
Only thing to watch out for is the back end is extremely light with the composite box, but for the winter time I throw in a few sand bags and when needed put it into 4x4 and have never had a problem getting anywhere.
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