It’s a fact that the top-rung version of a particular make and model will not only get all the luxury and convenience items, it’ll also usually be the first to score new safety tech, too. That’s why CarsGuide gives car-makers a pat on the back when they make new safety gear standard across the whole range. However, that’s the exception rather than the rule here, and most car-makers, including the ones you’ve mentioned have the same policy of loading up the more expensive variants in their line-up.

But before you dismiss all-wheel-drive as something you have to pay for to get better safety gear, understand that AWD itself is a safety boost. The extra grip given by driving all four wheels makes a car safer in all conditions, but especially in low-friction conditions. So, if safety is a concern (and it obviously is for you, Mark) then I reckon AWD is for you anyway.

Besides which, even though you’ve said you only driver to the snow every now and then, when those times arrive, you’ll be very pleased you paid for AWD.

You really need to go out and test drive both vehicles, because they both have their plusses and minuses and those will be graded according to your personal preferences. Overall, the RAV4 is a bigger vehicle (almost as big as the original Kluger, in fact) so that might come into the reckoning based purely on the size of your parking space at home.

The RAV4 rides a bit more softly but your choice of the range-topping VTi-LX in the Honda is a good one because that’s the only model in the line-up that includes autonomous emergency braking, lane-keeping and adaptive cruise-control. That said, the RAV4 has all those features, too, but extends them to the bulk of the models offered, not just the top-spec version.

On warranty and fuel economy, both compare pretty closely, so it will come down to the little things that you personally find important; things like the Honda’s doors that open almost to 90-degrees and the Toyota’s vast rear seat legroom and cavernous luggage space. Over to you.