My suggestions are pretty much what everyone has been saying...Go wheeling stock. See what you like. Get some protection, sliders, bumpers ect. If you want to go further, get a rear locker. Since the truck will see a lot of street time an arb is probably your best bet for a rear locker.
If your set on lifting it, Old Man Emu is where its at for bolt on affordable suspension lifts.
Check out all pro for some other suspension options
http://www.allprooffroad.com/05tacomare ... suspension
Total chaos has some pretty nice stuff but its probably a little more than your willing to spend.
Help with a Tacoma
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