Note this recent post in " Please stop me if I am headed in the wrong direction" on the main portal page--
You must be looking at an older Tacoma to be rated at only 3500 lbs...we tow our 2006 19' Bambi with a 2007 Tacoma...rated at 6500 lbs with the factory tow package...but anythng bigger and, "Houston, we'd have a problem." Toyota has beefed up their trucks recently...thank goodness...as a Tundra won't fit in our garage! The Tacoma is performing quite nicely and that's even up and down some steep grades...we aren't going to win any races in those situations, of course, but we can keep up to the speed limit, which is the most any of us should be doing, anyway!
Good luck...and many Happy Trails...TB