MonkeyBomb nailed it. Disconnects are an inexpensive way to improve the front axe's ability of a vehicle to get over rocks and other harsh terrain. My avatar is a pic of my front axle being disconnected. If I had my swaybar connected up in that pic, my front axle would have prevented from being at that angle.

You can actually make your own disconnects pretty easily as well to save cash. I use JKS disconnects, they were about $125 and have zerk fittings so you can grease them up to minimize squeaks when they are all connected up.

Tacoma's a great vehicles. I will probably get one at some point since I really need a truck. I miss my trucks, they are so versatile.