After getting home from dropping the 4Runner off I was able to PM toyotech and do some other research. Everything was pointing to the water pump and I guess if they don't weep they go pretty bad. At least the factory installed ones. It doesn't seem super common but the ones that do this go at about 90k (I'm at 92k) and their factory replacements last at least twice as long. That's good to know, I guess.
A call this morning from the shop confirmed the bad WP. Since they were in there they and I decided to have the timing belt, tensioner, tensioner adjuster damper and idler bearings replaced as they were or would be due very soon. I also had them do the drive belt, belt tensioner, pulleys, thermostat and gasket. Time and resource wise I couldn't pull this off by myself. It was stuff on my to do list but half of it still required research and parts gathering not to mention the 2-4 days, beer, and bashed knuckles. In the end it was expensive, $1000 for labor and $600 for parts (give or take), but it was done in 10 hours. I took the day off as I was on kid duty and they had a minimum day and soccer practice.
Today we had some very heavy, unseasonal thunder showers with lots of rain. It hasn't rained here since the spring so of course the roads were super slippery and traffic was a mess. I was taking it slow as I didn't want to ball up a brand new water pump and belts and I was treated with a bolt in the tire.
Right now it seems that if it's not one thing it's another. Pulled into the drive way and within a few minutes I had it pulled and plugged. Tomorrow is a new day and I look forward to it.