I did the 4Runner oil change on a rainy day. It was not too bad. I guess it took 10 more minutes to take off the 3 shields. I took off a plastic air dam to get to the skid plate, and of course the shield for the oil plug. The process of the internal filter and orings is a bit silly and naturally takes a few extra minutes and a special oil filter wrench. The item I missed was having new oil plug gasket/washer. I reused the original. I'm going to NAPA and get a handful. I also ordered 3 factory oil filters from Amazon, so that was pretty cheap, maybe 7 bucks a pop.
So I really can't say it was difficult, but it just takes more time, and is really silly compared to a spin on filter on top of the engine like the older 4.0 motors. Cost was probably 35 bucks for 6.6 quarts 0-20 synthetic and filter.