Yes, you are right.
I don't need the capability of the SUV but I prefer the style. I am now alloed a wagon b/c my gf will give me too much spankies - verbally

I might tow and go off-road but it will not be my priority.
Also the options are optional, just what I would like. I was browsing generally at cars and looked at the RDX and the bmw 07 3 series, that's why I mention the paddle shifters.
I'm considering MDX and 01-04 Pathfinder LE.
The only thing I need AWD, SUV, import + leather. Bluetooth+HID, I can put in aftermartket for 1K.
good to know I'm getting lots of replies though. any other suggestions? $25,000 cash and if there's a car I must have, I'll loan the rest.