Thank you All for the feedback. Decide to go to another dealer for my purchase. Per recommendations I went with an off-road model the RV was better. they quoted the below, I think it looks way better now.
Tacoma 2019 Offroad -TRD Premium Off Road Package, Technology Package, Predator Pro Step
**Selling Price: $35197
**Monthly Payment: $325 before adding negative equity, $410 All in (including 7% tax)
**Cash Due at Signing: first month payment
**MSD: 0 (did not allowed any)
** Disposition= $350
Still don’t know what a rain package is…