Limited has ALOT more tech then the XLE and FINISH. I suggest you go to toyota.com, go to COMPARE models. From puddle lights, 18 inch wheels (xle gets 17 by default), interior ambient lighting, more trim contrast parts, 7 inch MDF vs the 4.2 inch in drivers dashboard, rear passenger heated seats, ventilated seats up front, leather trimed shift level, more stiching and more softouch/ softtex leather thoughout the doors and front ( xle gets more plastic finish). There are many more. I suggest you do a detailed comparison.Have test drove both the XLE and Limited and leaning toward purchasing an XLE with convenience and audio packages. Found a dealer near DC with an "out the door" price of $31,500. A Limited would be around $38K to $40K. I just can't see where the "extras" on the Limited would be worth it. Am I missing something overwhelming that the Limited comes with compared to the XLE?