1998 TOYOTA 4RUNNER Complaints

I LOVE MY 1998 TOYOTA 4-RUNNER SR5 - BUT I HATE THE EXPENSE OF THE BRAKING SYSTEM. IN THE 5 YEARS THAT I HAVE OWNED MY VEHICLE I HAVE HAD TO COMPLETELY REPLACE THE ENTIRE BRAKING SYSTEM PADS, ROTORS, DRUMS, CABLES ETC FOUR TIMES. IT IS NEVER JUST THE PADS. EVERY SINGLE TIME I'VE TAKEN IT IN FOR A BRAKE INSPECTION - THEY ALWAYS NEED TO MACHINE THE ROTORS. AND, NO IT IS NOT MY DRIVING ABILITY. EACH TIME I HAVE HAD TO PAY FOR THIS VERY EXPENSIVE REPAIR (400-600) THE MECHANICS ALWAYS SAY THE SAME THING - "WE SEE THIS ALL THE TIME ON THESE 4WD 4-RUNNERS - THEY JUST DON'T DESIGN THE BRAKING SYSTEMS PROPERLY FOR THIS TYPE OF TRUCK". TWICE I HAVE RUN OFF THE ROAD IN ORDER TO AVOID HITTING SOMEONE IN FRONT OF ME BECAUSE OF COMPLETE FAILURE, ONCE WHILE ONLY GOING 20 MPH. TOYOTA TACOMA'S APPEAR TO NOT HAVE THIS TYPE OF PROBLEM - I THINK AFTER THOUSANDS OF DOLLARS IN BRAKE SYSTEM REPAIRS AND TWO VERY NEAR ACCIDENTS - SOMEONE AT TOYOTA SHOULD EVALUATE THIS BRAKING SYSTEM AND EITHER OFFER AN ALTERNATIVE OR OFFER A WARNING TO POTENTIAL BUYERS. *NM

***SECOND OCCURRENCE ON SAME VEHICLE*** WHILE TRAVELING STRAIGHT, A VEHICLE TURNED LEFT IN FRONT OF OUR 4RUNNER. WE BRAKED FAIRLY HARD. UPON BRAKING, THE LEFT REAR SEAT BELT MADE A WHIRLING NOISE AND COMPLETELY LOST TENSION WHILE UNRAVELING. THIS CAUSED THE REAR OCCUPANT (PROPERLY BUCKLED IN) TO MOVE FORWARD DUE TO THE BRAKING FORCES, AND THE OCCUPANT WAS SUBSEQUENTLY NOT RESTRAINED IN MOVEMENT BY THE FAILING SEAT BELT. THIS SEAT BELT UNRAVELED SO FAR THAT THE OCCUPANT COULD HAVE EASILY SLID UNDERNEATH THE SLACK IN THE BELT. *NM