1995 is the tail end of the 2nd generation 4runner. In the 2nd gen, the 4-cylinder (22RE, 2.4L) is generally preferred because it was more reliable and fuel efficient. The V6 (3VZE 3.0L) in the 2nd generation is not well rated because it does not produce much extra power for the extra fuel it uses and it had some issues with head gaskets.
In the 3rd generation (1996-2002), both the 4-cylinder and v-6 are reliable, hard-working engines. Both are more powerful than the engines in the 2nd generation. The 2.7 I-4 is more rare than the 3.4 V-6 in the US, but it does deliver slightly better fuel economy. The 2.7 is also easier and cheaper to maintain--it has a timing chain instead of a belt (V-6), and has easier access to spark plugs, etc.
The 3rd generation has some advantages over the 2nd, such as more powerful engines, a more reliable V-6, a rear liftgate (the 2nd gen has a tailgate with a problematic power window that can prevent access to the trunk), a much roomier rear seat and larger rear door openings, and more interior space.
4Runners hold their value well...you may need go over your price range to get a 3rd generation with reasonably low miles in good condition.
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