I got an 04 2WD Tundra that I lightly wheeled for a few years and got to know how it handles very well. I know its limits and exactly how to handle it in so many situations. I had gotten it stuck a few times in snow/ice or sand. Thankfully there was someone there to pull me out, but maybe a year ago I built myself a bumper that could take a winch in it. (I like fabrication work) My idea was that if I did get stuck somewhere, I could get myself out. Even if I had a rear locker, or 4WD full locked for that matter, I could still get unstuck in all but the most extreme cases. I also have A/T tires (1 size bigger than stock) and a 2 inch leveling kit on it which gives me a little clearance up front but I know that my lowest point is my rear differential. I can get to 90% of the places I want to off road with this setup.
I'm considering a rear locker, maybe lunch box style locker but I'm concerned about the ratcheting noises on the street. I've heard the Powertrax lockers don't make ratchet noise but I have seen so little about them I don't feel well informed enough to buy it yet.