TS, have you paid a visit to the showrooms and gotten some seat time? Or perhaps contacted some friends and gotten some drive time (not sure if casas have test units for your choices)? This might also help you with the subjective part of the decision, considering they seem quite evenly matched. "Which feels better to you?" is often the deal breaker or the game changer. If you'd done this, has any of the 2 called out to you more?

Some subjective niggles from me, that you may or may not consider:
- The RAV4's black bumpers make them look low-end. I've seen a unit with body-colored bumpers and it looked better.
- Was initially not a fan of the snowflake rims of the XV. It's growing on me, but still taking time.
- I don't suppose space is too much of an issue?