New '22 Off Road or Stick With '21 SR5 and Lift It

You're probably not going to go anywhere you will need lockers unless banging your truck up isn't a concern.

 

Personally? It's cheaper to get lockers than to refi a new truck. crawl .. .. idk. 4L + the upgrade brake booster from the TRD-OR is enough for me. Shit, if you want to go slower, get a marlin crawl box.

 

So, you will be perfectly fine with what you got for off roading in the areas you are doing it. I did most of that a few decades ago with an open diff Isuzu Trooper. You could stick an LSD in the rear and an ARB locker in the front and you could pretty much go anywhere clearance allows.

The items an OR has over your SR5 is ATRAC/MTS, a rear locker and bigger Differentials/axles front and rear. Only you can decide if that is worth the price differential. no pun intended