If you live in a mountainous area, then the Accord for sure. Otherwise the Camry will do just fine.
If you choose the Accord, do get confirmation on the timing belt, this is critical. If they can’t prove that the timing belt has been changed, then it is time to include that in the deal. If this is a Honda dealer, then most likely the Honda dealer will have a special on this service to change the timing belt, balance shaft belt, water pump and maybe the oil seals as well, usually for around $800. This is often a better price that many independent mechanics can do it for. In any case, this is one service you want it done by a Honda dealer.
Do get them inspected by an independent mechanic and ask the dealer for a carfax report on each one, but a clean carfax report is not always correct. But the carfax report will tell you what states the car was previously registered in and be very suspicious if the car’s most recent registration is in another state, especially if the state is New York or New Jersey.
Lastly, do not get the additional warrantee. It is very doubtful that either car would rack up $1695 worth of repairs in the next three years. The only exception would be the Honda if the belt isn’t changed, but the warrantee would not pay on that anyway, they have clauses on maintenance being up to date.
Both of these vehicles are entering what is traditionally the most reliable period of their service life. By now, all factory defects have surfaced and been addressed but neither has entered the period where wear and tear begins to take its toll.
The next big expense on the Honda will be the axles at about 10-11 years (2 to 3 years from now) and that will run you about a $1000. The Toyota won’t see this for another 5-6 years. But after that, its smooth sailing for many more years. BTW, you are saving enough money on the Honda to more than cover those axles. Just be aware that it is coming.