What does she do that would require "more" than a truck?
I'm not understanding. Most things you need a truck for, an SUV can't match.
Sadly I can't comment on the TRD Kit for the FJ but it's one of those things that works better than the "stock" stuff. But it won't work as well as a lot of aftermarket items.
It depends on how much money you want to spend on it now, and later on. I've heard the stock rigs are perfectly capable for most trails.
So in all honesty I think the TRD package is more about the "look" and stickers than really giving you a noticeable increase in performance.
But I could be wrong, I know next to nothing about the FJ's

.