I have seen some guys take hours to figure out the wiring/electrical. A very frustrating wait for you indeed. It has more to do with individual troubleshooting skills than U-haul.
For your needs, just buy the tow bar and install it yourself. It is SO EASY on the RAV 4.2 Just take off the 4 bolts holding on the 2 eye hooks they use for tranporting the vehicle. Hidden Hitch and others make tow bars for around or less than $100. If you can install a paper towel dispenser or can opener underneath your kitchen cabinet, you can do this job.
The bar will mount perfectly into the holes. If you ever do want trailer wiring, you can have somebody else do that little amount of work. But, they make wiring kits for the do-it-yourself crowd too.