Agee with the above.
I'm on my 3rd Tundra, all with the 5.7. I have pulled up to 8,000 with no issues, with brake controller.
My buddy has the 4.6 and a Bass Tracker, maybe 3,500 pounds. I've pulled it up and out of the water and around town just fine.
If you see a 4.6 in your price range and you know you will never routinely pull a large load, and the price offsets the loss in retail value, do it. You won't be sorry.
I've never regretted the extra power, so you know where I land on the discussion.
