Since you drive ~36K miles/year, your driving is overwhelmingly highway miles.
You get right at the highway EPA estimate for the CX-5 with 27 MPG.
The Rav4 Prime is rated at 36 MPG highway, correct?
So you will use 1333 gallons with the CX-5 and 1000 gallons with the Rav4, in a year.
At $3.00/gallon, you will save exactly $1,000/year in fuel with the Rav4.
Between the purchase price, warranty and tires, you're in the Rav4 for nearly $50,000.
After your trade-in, you spent nearly $25,000 on the Rav4.
This means it will take 25 YEARS in fuel savings to recoup this cost.
It is perfectly fine if you wanted to upgrade for other reasons, but fuel savings should have been at the very bottom of the list...spend $50,000 to save $1,000.
I spent $110 on fuel last month, and that was because I was being a weirdo and broke it in on 91 octane Shell V Nitro +++ Guccimane fuel. Two fill-ups cost me $40/ea, then I came to my senses and put in some 87 octane TT from Cenex at $30/fillup, so should see monthly fuel use drop to $90-100. Granted, I only drove about 2300mi this month. I had a few life changes, and drive a hair less now.My CX5 averaging 27.0mpg (for the 80K I owned it), and the fact that I put in 91 octane ($3.19 at Cenex), to extract as much rated hp as possible (We don't have 93), that comes out to $270, or $170/mo more. $2000/year.
Also factor in the $7500 tax return I will now be eligible for. Now factor in the calculated depreciation for a RAV4 Prime at 10y/210K miles is a residual value of just over $10K, while the CX5 GTR is just over $3K, for another $7000. You come out to a 10 years savings of $34,500, not counting initial purchase prices. Now factor in that I like the Prime XSE more than I liked my CX5. Pretty good deal.
In the "immediate future", the Rav4 Prime costs me within $20/mo of the CX5 in note, and costs another $20 to insure. It saves $170 on fuel, and my solar array soaks up almost all of the charging burden. So immediately, it's saving me $130/mo, at the expense of extending my payments for another @3 years, but at the benefit of shaving 80K miles off the vehicle because it's also new...
Now consider my CX5 was due for plugs and brakes (another $1400 at the dealer, or at least $5-600 if you DIY and dont replace your rotors, just turn them).
Now consider the Rav4 Prime brakes last 2-300K miles because regen braking...
Now consider that the Rav4 Prime has NO belts or belt tensioners or anything associated...
Now consider the plug change interval is 100K or so, and not 40K...
Now consider that the engine only runs about 1/2 the time in my case, so I feel comfortable following Toyota's 10K intervals AND the engine has port injection as well as DI, so it won't get carboned up as easily or fuel wash as it's not a DI turbo, so this is fine...
The Prime will cost considerably less to own.
Maintenance will cost far less.