In my particular case: a 2,000 Tacoma with 130k on it, runs great, excellent condition, good gas mileage, recently passed emissions exhaust test, has the O2 sensor replaced ... but the check engine light comes on occasionally indicating a faulty rear converter on the diagnostic machine.
The converter has been verified that it is not plugged. The dealer indicated that winter gas additives can sometimes initiate a gel coating which makes the burn inefficient, causing the light to come on. This one rear converter alone costs over 1k (plus labor) ... but of course they offered me the possibility of buying a new truck.