If your looking at a new FJ with locking diff, your looking at more than the 20k I see by your calculations.....more like almost 30k. Jay has after market leather in his FJ, that thing rocks! AND 35 inch tires......not sure why he isnt posting pics.......Cece if you saw his pics you would be out the door to the dealership......but he also has mucho $$$ into it......so ANYTHING can become a money pit....