Saving me money does not mean telling me to buy 1 ton trucks, especially since I drive 60+ miles a day for work, but I appreciate you taking the time. haha
That was all tongue in cheek humor. We do that a LOT here
In all honesty, I towed our 190 with my wifes Travese. It was rated at 5,200lbs with similar HP/Tq numbers as your Tacoma, and with 4 adults, 3 kids, coolers, and full fuel tanks it was overloaded and struggled. Not a great experience for the ~100mi round trip I made in Southern Indiana (Louisville Area). We have a few more hills down here than you might elsewhere in the state, but it was enough that I rarely towed with that vehicle again. That's not to say a small SUV can't tow well, just that particular driveline wasn't up to the task. Chassis and brakes were actually pretty decent. My '06 Trailblazer SS towed amazingly well, but was equipped with a 400hp/400ft-lb 6.0L V8. I also had a big brake kit on it, and some hefty sway bars, so it was a bit better than a "normal" midsize SUV.
Keep in mind all the "stuff" you take with you hurts you in two ways. I really suspect your 242LS is going to be closer to 6-6.2k lbs once you have toys, fuel, mods, etc loaded up in there. THEN, you're going to want to take kids, and coolers, and "stuff" with you. That takes off your payload, and subsequent tow rating. Finally have a look at your owners manual. $5 says it requires a weight distributing hitch to get that full 6,500lbs, and most likely that starts somewhere around 2-3k lbs of towed weight. They make specific WDH's for surge brake equipped trailers if you're interested in that I've looked into them before.
Here's what the bed of my fullsize pickup looked like heading out for a weeks vacation. Glad I had the extra payload and capacity for this trip. Granted we had a toddler and were going for a full week to a rural cabin, we still took a LOT of stuff. I'd guess we were 1,200lbs of "stuff" between drinks, cornhole boards, and all the other misc "stuff" in the bed.
We are going to go shopping this weekend. This thing still has to fit in the garage that has low overhead, as the garage is under the house. I believe it is a normal door opening, but the garage door opener sits lower and I required a special kit to install it all.
If we find the right deal, and can get out of our lease, we might pull the trigger this weekend. If it doesn't feel right, we wont buy yet. I have heard of many people pulling large loads with their Tacoma, and I only have a year left on the lease. So worst case scenario I make it work for 1 year. My biggest concern is not power, or payload, or even the weight of the truck. Honestly my biggest concern is an 8.5' wide boat, and 6' wide mirrors. And extensions look ridiculous, but they are safer.
Don't rush into a new truck. Look around and see what you like. Tow with the Tacoma a few times and see how you feel about it. You're on the edge of capacity there, so it's not like you're looking at immediate and sudden death if you do it. Most likely it's just going to struggle more than you like, and create more white knuckle moments than you care to deal with during your leisure time.
You're going to have a rough time fitting a 1500 class crew cab truck in your garage. I wouldn't even waste time measuring any late model 2500 pickups. Likewise fullsize SUV's (Expedition/Tahoe/Seqoia/Armada/etc) are going to be really tall when compared to your garage opening. My old '03 Yukon would touch the weather seal with the roof rack on a 7' opening pulling in. I have an overly deep garage (21'9"), and my 1500 pickup BARELY fits in there. not quite enough room to walk around behind it if it's almost touching the garage door. The Sat Radio Antenna just touches the weather seal on the way in. It fits, but shew-buddy it's tight.
If you can go SUV, the Durango is a great choice that has the towing and payload you need, and will most likely fit in your garage without an issue. I live in a "spec home" type neighborhood (so most of the garages are the same size) and have several neighbors with Durango's in the garage every night. There are several guys here that pull 24' boats with the R/T and SRT packages. I think there are even a few that pull the 23' boats with the V7 equipped Durangos. They come very highly recommended here when asked.
Here's a thread I started a few years ago on them.