Not direct knowledge in actually towing a tacoma, but I had to make the same decision as you.
I had a '12 Tacoma 4WD and just traded it for a 12 Wrangler Unlimited. Owner's Manual stated I couldn't tow the Tacoma with wheels down and by the time I added a drivetrain disconnect and the pump... it wasn't worth it to me to void the warranty and take the risk. Figured I should do it right the first time. (Who says those lessons my dad taught me didn't stick!)
And I really didn't want to pull and have to stow a trailer Every thing I researched recommended against only adding the pump.
2011 Fleetwood Discovery 42a
2012 Jeep Wrangler Unlimited
Me, my wife, 2 girls, 1 dog