Ahhh, now I see said the blind fella....
My tow vehicle is supposed to be capable off towing 3500lbs, per Ford w the installed trans/oil coolers, but I didn't care for an as towed 2500lb+/- load. I towed it for about 4.5hrs, and except for perfectly flat level road, I didn't care for it, NOT at all. A wide range of rain showers certainly didn't help.
Not much help for a Pre-Runner, but 3200 of a 3500lb max could be doable in ideal conditions..... How steep is the ramp you'll likely use? Until you retire, where are you keeping the Toon after it's rehab? Near the lake storage? Towing it less then 5miles to a decent ramp would be alright I suspect..
BTW: Don't you get a fair amount of wind out your way and around your favorite waterway?