Don't you have to get a crazy amount of miles on that car to make it worth paying close to six figures? How do most people not just walk away from that kind of deal?
If you are buying at MSRP, the RAV4 Prime almost never makes sense without the federal tax credit (that it no longer qualifies for). If you buy one, you are doing it for the increased performance or your own desire to have a PHEV. If you are simply in it for the most economical RAV4, get the regular hybrid trim.