If I were to buy a PHEV, with all tax credits gone for PHEVs, I would still go for RAV4 prime because by far that’s the best PHEV I have seen so far. When I look at other PHEVs, all of them are somewhat just equivalent to their hybrid variants. So, if tax credits are not there, they are better off grabbing the equivalent hybrid as it doesn’t make any financial sense anymore for the PHEVs. But, not for the Rav4 prime. It’s quite powerful compared to hybrid. Moreover, the EV mode doesn’t suck like other PHEVs. It can stay in EV mode most of the times, and if I remember right, it has got a heat pump or so too. My Santa Fe PHEV kicks in gas even in EV mode for either want of power or for heat.
And, I strongly believe it will hold its value. If you can afford it even without tax credits, I don’t see why you shouldn’t go for it.
Why did you want a RAV4 in the first place? To me, this class of vehicles are bad value as they are raised version of their compact versions all of which are lower quality than their bigger class siblings. Price bump is well justified to buy Highlander over RAV4 ( so is Rogue vs Pathfinder etc). I never understood people wanting RAV4s let alone paying over MSRP for them.
I believe the 10 day rule only applies in a lease transaction, when the lessee buys the leased car from the lessor, and then resells it within 10 days. I do not believe the 10 day rule applies when you are buying a new car.