Now I own new teana 250XV.
I would suggest you to buy 250XV since:
1. If you set down payment as 40% ( and 2.35%, 4years), the 250xv interest is around 1000 baht higher than that of 200XL.
2. For additional around 300K baht, you get high performance VQ engine, and other comfort accesories equipments.
Dont think like extra 0.5 cc and accessories cost 300K !!!
3. In my case, during March 2010, I got offer 2.35 interest rate (4years), 1st category Wiriya Prmemium protection, 5X,XXX cash discount
Please consider this offer for your negotiation.
4. If I were you, I will set down payment 40% and keep the rest of money for somethingelse.
Hope my comment will help na krab. (^^)