The RAV4 has automatic AWD in which the vehicle will send power to the front wheels or back wheels on an as needed basis. It will however have a manual override in which the driver can “lock” the car into AWD at low speeds. This is used mainly for getting unstuck. But really the “Cute Utes” are more for keeping you on the road rather than taking you off it.
I’m not sure how having alloy wheels would increase maintence costs significantly, if at all, nor would I be concerned about a battery powered hand brake. CVT’s though are a valid concern IMHO. Many of them are not serviceable and if a problem is encountered, a new unit is installed.