I would personally go for the limited. Not only for the leather, heated and cooled seats, but mainly for the full-time 4wd. I am in central Indiana as well and agree that we don't get much snow, what we get is usually patchy slick spots. with the part-time 4wd, like my Tundra, i keep it in 2wd to not bind the system. With full-time 4wd, there is no worry. BTW, my 4rnr has been awesome when we do get decent snowfalls.

for 2023, the limited added heated steering wheel - a very nice feature. once you have had this, it's hard to give it up.

local dealerships have really added a lot of new 4rnr inventory lately - mostly new 2023 models. I would wait until closer to year-end for a deal. Seems like 2024 will be the last model year with most anticipating a new model 2025 4rnr with the turbo 4 and turbo max engines that are in the Tacoma.

I have to add, my first 4RNR was a 2006 model. The 2024 model has the same engine and transmission as my '06. I am waiting for the new model for better performance.