Give it a few years and your frame will look like mine, nothing crazy but definitely have some rust. I am also is southish jersey (southern ocean county).
I have an 08 taco with 100k on it and my frame definitely has rust on it, nothing like what the 1st gens had. Nonetheless I am keeping my eye on it for sure.
I upgraded my stock radio (it wouldn't even play mp3's) for about $80. I got a Sony head unit from crutchfield that has usb and ipod controls. I haven't used cd's in it since I installed it.
Take a look at firestone destination AT's. I got over 50k on the last set I had, they were not real aggressive and they were great in the snow and rain.