Hi D.,
I bought my Rav4 in 2006, fully loaded, brand new, sun roof, third row seat, side step bars, etc. It was about $24K. It wasn't easy to find one with the third row seat at the time, but we knew we had to have it with five kids. We searched alot of dealers online to compare prices, but that was in Cali, right before we moved out here, where there are alot more dealers. I absolutely love it and it gets great gas mileage.
Mine is a 4 cylinder and has good power, but if you want to make sure have great power when you need it, get the 6 cylinder, but just know that the 4 cylinder will get better gas mileage.
Don't let any dealer push you around. If you have decent credit and a down or trade in, you have the upper hand.
We almost walked out because they didn't want to give us what we wanted for our trade in, which was a year old Kia Sedona and we didn't owe anything on it. We researched the car we wanted and we knew what our trade in was worth. Knowledge is power. If the deal doesn't feel right, tell them you will think about it and walk out. Dealers are desperate right now and sales people can be so manipulative and make you feel inferior. I really recommend getting your own financing before you go to the dealer. Their interest rates are ridiculously higher. We bought a Scion TC and got a 6.2% rate through our credit union two months before we bought our Rav4, which we financed through the dealer because we knew in a month or so we would pay it off when we sold our house and their rate was 13%!!!
Good Luck!!!