GP,
I looked att he same vehicles you did, and settled on the X-trai (SE/AWD/Auto) I paid Invoice $28,538+$670. I believe that with all taxes and charges in I did the drive away for $35,300 and I took advantage of the 3 year financing at 1.8%. Total financing cost over the three year loan is ~$950.
I have had the XT for about 5 weeks and been very happy. It offers FWD, AWD, and 4wd lock up. I don't know if you have sat in the XT, but I found the CRV to feel relatively small inside. At 6'1", I could not comfortably sit in the driver seat. I think the interiot ceiling height is lower than the XT. I think the XT offers more functional cargo space with folded seats because of the fold flat mechanism versus the CRV tumble forward. I am speaking as a huge Honda fan. I presently have an '04 TL and have owned a '91 Accord (13 years) and an '81 Prelude (10 years).
The Hyundais seem to be pretty good products - I considered the Tucson, but passed because I wanted a 6disc CD player and the XT is the only one in the class with a back seat pass throught - saves me the cost of a box on top of the vehicle for my skis.
The sun-roof on the XT is awesome. It is great to let the light in on a sunny cold winter day, and I actually had it open yesterday afternoon - love it. Also is very comfortable for a long drive. So far I have had it to Que/Vermont, Windsor, and Stratford. (I have a couple of photos from the QUE trip at the thread X-trail 2006 - Pricing Incentives)
Only negatives on the XT so far: a) The centre console is easy to get used to, but you miss the amibient lighting from the gauges to help you see the light and wiper controls in the dark, b) the cup holders don't quite fit a Tim Horton's medium cup perfectly - it goes in but not perfectly - all other sizes and bottles are just fine.
Good Luck on the purchase decision
JV