My $.03 -
* I like Dutch's point. You could bank the $ for 7 years, & buy a newer vehicle at that time. Who knows - maybe they'll have worked the kinks out of the CVT's, or have something even better by then.
* I agree with specneeds, if the towing is going to be more than just occasional.
* I agree with Ptarmigan about RAV4 reliability. Toyota sells a [excrement]-ton of new ones, and yet they very rarely come up for sale on the used market here. When they do, they're insanely expensive. People don't cling to turds.
FC