I'm on the Island and have recently shopped and ordered a Tacoma access cab.
I've only driven one, and that was enough for me. The ride is the least truck like of any truck that I've driven, much to the chagrin of serious rock-crawlers who want a solid front axle instead of the Tacoma's independent front suspension.
I've been driving Toyotas since 1985 and wouldn't buy anything else. As to toughness, you can't buy a tougher and more reliable truck (
check out this video). The Tacoma is perfect for hauling a load of whatever, limited mostly by bed size. Bed size is short if you haul lumber, but you can get a utility rack to carry the long stuff. There is a question about how the new composite bed will accept racks though, since they are designed to clamp to the older style metal bed rails.
Current Toyota financing is 4.9%. If the dealer wants a deposit to tell you that, you need to find another dealer. Also try
Capital One for financing.
As far as discounts go, the Tacoma's are hot sellers. Just look at the new 04's selling for tiny discounts. The same goes for resale. Well maintained used Tacos are nearly as expensive as news ones. Toyota resale in general is very high.
Dealers work on an allocation basis, they are allocated a certain number of a type based on sales. City dealers sell fewer trucks and get less allocated accordingly. Increase your range to New Jersey and Connecticut and you will find more Tacomas on the ground. But I'd be more focused on finding a dealer who will work with you. Dealers often trade between themselves to get the cars they need. More important for you is not to get hustled. If you go in knowing the invoice prices, knowing what TDA is and so on, you will be seen as an informed customer and dealt with accordingly. Be willing to pay a reasonable amount - the dealer is entitled to some profit. The ones I've dealt with try to make a clear profit of at leat $1,000 per sale.
Car buying tips is a good source of information. Their recommended 2-5% over invoice is not unreasonable but may be a bit optimistic for Tacomas, at least in the NY area. I made a deal at about 3% over invoice due carefull research (including talking to a lot of dealers), timing (the end of the year, which is even better than the end of the month) and luck (my salesman went on holiday and I was able to negotiate directly with a very busy sales manager who was happy to close a deal over the phone with someone he had never met).