I completely depend on toaster ovens. I've gone through a LOT of them over the past ten years.
From my experience, the following brands will last 2 years MAX (with heavy use).
-Black and Decker
-Hamilton Beach
-Oster
-and, essentially any brand you will find at Wal Mart or Target
A year ago, I bought a Cuisinart Convection/Toaster oven at Costco. It was pricey, but the BEST toaster oven I've EVER had, hands down. It is all digital, easy to clean, and HUGE (I can bake a 12" pizza in it!).
It's this one:
http://www.bedbathandbeyond.com/product.asp?SKU=14784853
It was $89.99 at Costco. They still had it last week when I was there. The costco one has black sides and top, instead of stainless steel.
I use it every day, multiple times a day. I bake chicken, pork chops, and baked goods in there. I use it for frozen pizzas, frozen soups, etc. It's AMAZING. The broiler function works amazingly well. Broiling fish and chicken breasts is easy and fast.
I'd not waste money on the other brands. I assure, you, they will break very quickly and you'll be out the $$$ as they usually only carry a 1 yr warranty (the Cuisinart one has a 3 year).