Just curious, are you looking to hold onto the vehicle for a long time, or resale in a few years? Reason I ask, and keep in mind I dont live anywhere near Toronto, is if you are looking for resale, will a rear wheel drive vehicle have many interested potential buyers? I live in Colorado, winters here can be hit or miss, but one thing is common - Snow. I refuse to own anything other than all wheel drive personally, but the wife has a front wheel drive car...I don't know...something to at least think about (even though I did not answer your question at all