I'm assuming due to his complaint of sag, that the reason for installing a lift is to be able to take advantage of stiffer springs in the rear. I agree with your comments though.
@PeteMcG003, if indeed your goal is to get better load carrying capacity in the rear, I would suggest helper air bags. There's a few threads on here about them.
If you do want to go lifted in addition to increasing the load carrying capacity, I would also suggest echo the comment to avoid spacers; lift springs will save you a lot of trouble (CV wear, torn CV boots, having to redo it later, etc.), and they really aren't that hugely much more; probably a difference of ~$100. I'm a student too, so I know the struggle. A 1" spacer would be pretty safe if you feel that route is most appropriate to you.
Another option would be to just get the rear LR springs and leave the front stock. They'll cheaply increase your load carrying capacity and begin moving you towards lifting the vehicle. The ride height difference will likely be something you can live with. A bit of rake on a SUV isn't uncommon anyways; a 4th gen 4Runner has ~2" of rake from the factory. If you frequently haul stuff in the back the weight will help keep the rake minimized anyways. Plus, you'll avoid having to deal with camber bolts and funky alignments.