Thanks a bunch Guys, I appreciate all the help. I've never done brakes before, and want to learn how, but maybe when it's warmer out. I don't have a big, or heated garage. Plus with my work travels I just have to get the wife's vehicle fixed. She scares me, and herself, when she drives my truck.
Charles - I may give Oxford Automotive a call since he's pretty close. Thanks!
epe- We took the wife's 4Runner into a service center this morning because she had noticed it wasn't driving quite right, and making some new noises. They told us the rear axel seals were leaking fluid and needed replaced. Becasue they were leaking, the fluid had been getting all over the brakes and rotos, ruining them as well? Apparently the rear axel seals in the late 90's Toyotas are known for doing this?
After talking to a few people, and the mechanic our family uses back in NE Ohio, I'd like to take it someplace else for at least a second opinion on what is wrong, and what needs to be done.