OP, I’m glad that you got out of that safely, which is most important. Totally sucks to have your plans wrecked especially in the current environment. I hope you’ll be able to get some of your equity. The hybrids are going for more than $4K above MSRP right now.
I am literally reviewing a RX one pay lease contract in these sections to see what my risks are.
Section 23 is the same and the words that jump out are “up to the amount that you owe us.” So the question becomes what would I owe them under a total loss?
Which brings us to the Early Termination sections. Here my contract differs from yours. The Early Termination Amount is “the difference, if any, between: the Adjusted Cap Cost; and the sum of (a) all depreciation and other amortized amounts through the date of early termination…, and (b) the Realized Value of the Vehicle.” (Realized Value is essentially my deductible plus the amount of the insurance claim, unless they agree to a higher amount).
It’s making my head explode to decipher that. 
I feel like I need to run a sensitivity analysis of different insurance payouts lol. Do we have any contract lawyers here?