This is exactly it. Like you said “Stock”. Right now my rig is stock minus tires (2 sizes larger) and added lights, and a couple interior upgrades. My rig even without the upgrades was completely capable to get me to 90% of the places I like to go. I added tires because the tires that came with my rig were bald and I was scared even a piece of gravel would puncture them. I went oversized because I liked how they looked, along with the benefit of raising my ground clearance 2” and lastly because more meat between the tread and rim is always good when hitting that rock going a little faster than one should. I added lights because I have a hard time seeing at night, and even more so out on the back roads. My interior upgrades include seats out of a newer truck, center console out of the same truck, and “gun racks” for holding all my fishing rods (I love fishing). The seats were a requirement for two reasons, first was safety. The original seats were worn out so bad that you could lift them off of the adjuster rails. The second reason is I have a couple of small physical disabilities that make sitting in most rigs longer than 30 minutes very uncomfortable. So far all of my modifications haven’t helped me go any deeper into the back country other than tires.
now to go to those last 10% spots, I need more traction and lower gears. going lower gears means I lower my fuel economy, so instead of changing my differential gearing for only 10% use out of overall use of my rig doesn’t make sense. Instead I decided that a 5 speed swap is required to get me a lower 1st gear over the stock Automatic Transmission 1st gear, and a better over drive final drive ratio to save gas in Overdrive vs that of stock 4th gear Overdrive. Also to help compensate for lower gearing I am adding a second transfer case gear box to essentially give me a 5:1low gear out of the back of the transfer case. This mod will allow me to have superior low range over stock, but still give me a better overall high range for freeway driving as well.
Again, I am only doing this for a 10% usage gain, and if the mods I am doing wouldn’t have fallen into my lap, I wouldn’t have even considered going this rout at all, and left my rig as is.
To all the novices reading this: Drive what you got. Don’t worry about what others might think of you based on your rig. I would weather see you at the camp site at the end of the day than sitting on your couch at home wishing you were out at the campfires. Get out and explore any way necessary. Sure that decked out 4Runner looks great with the RTT and Recovery boards strapped on top. But a cheap backpacking tent and a shovel is just as good if not better. Find others to go out with you and just have a good time while treading lightly.
After a year of upgrading your kit, then start worrying about upgrades to your rigs. Look at your rigs strengths and build upon those strengths, know your rigs weaknesses and drive according to this weaknesses.
I have built quite a few Overlanding rigs throughout the years, upgraded my “kit” many times, so I know what “I” need to achieve “my” goals. What works for me, will not work for you, because “you” aren’t “me”. And what works for “you” won’t work for “me”.