Last wheel bearing I changed was on my 93 toyota 4x4 pickup, and it was a pita. Rotors are nothing, just one step more than changing brake pads. Hey you wanna play, now it's time to pay up. From what I understand these gen2 tacoma wheel bearings aren't too hard to replace like those older taco's. Pick a nice warm day, and have at it. I wouldn't wait much longer. You gotta get your feet wet sooner, or later. Just try not to be like a buddy on mines kid was when having that old gen1 taco that nearly bankrupted him.