Yes The Tundra is sharp(all the bells and whistles) . Its a mans truck , but perfect for a Lady . They are super nice and great resell value . Plus they are tough trucks with great smooth suspensions . Like driving an SUV.
Its a buyers market and 20k is a great way to start .
Take your time and test drive one or all .
Perhaps you could advertise locally for someone who's getting ready to loose theirs due to lack of employment . Im sure someone would love to save their credit and pass on to you excellent equity and Just the truck you dream of .
I have a 2005 silverado. I hate it ( no bells or whistles). Its a mans truck and not so sweet for a lady .
Attached is a link that may help get you started .
Good Luck .