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First, welcome to the site. Second, do you have a Tacoma or a 1994 pickup? 1995.5 was the first year for the Tacoma. Third, check the brake fluid level in your brake fluid reservoir, it may be low. Not sure about the tranny costs, maybe call around to various dealers and independent shops. Overdrive is the 4th or 5th gear, usually turned on when driving on the highway, but I would just leave it on all the time. IIRC, you need to be stopped and then shift the lever to 4x4, but I could be wrong.
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