I just purchased an '04 4Runner SR5. It comes with a AM/FM/Cassette/CD player standard, but I'd like to augment (or replace) it with a changer. When I asked about a 6-disc changer during my price negotiation, the dealer presented the cargo-mounted unit as my only option. Needless to say, after he quoted me $700+ for it, I decided to go with an after-market changer.
Since then, I've discovered that there's an 6 disc in-dash factory changer available (according to the Toyota Web site
Thanks, Darryl R.