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It may only be a 2.7 I4, but it's not pushing around much weight so it moves out pretty well, especially with the 5-spd. If you test drive a 6 though, you'll notice a difference.
My V6 auto Tacoma generally gets around 19mpg, and a friends I4 auto gets a couple mpg better. Mixed driving.
Most people seem to feel the 2.7L 4cyl is a more durable engine then the 3.4L 6, which is saying something considering how many high mileage 6's there are. Such as your Mom's.
Maintenance expenses over the life of the truck are lower with the 4cyl too; it has a timing chain instead of the 6's belt for instance.
If you're planning to run this thing into the ground or pouring tons of miles on it, the stick is probably better then the auto. The auto's aren't known for having problems, I've just never heard of anyone killing a 5 spd without trying to do so.
Lastly, get a 4x4. 4x2 Tacomas are real ugly in the snow.
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