My advice is or you go with the SR5, or you go with the limited, but in Canada, the Trail is not the optimal choice given 42k sticker price. The full-time 4WD is worth much more in Canada than the KDSS of the Trail.
Part-time 4WD driving after one winter seems to me to be like driving a manual car, but without the clutch. Let's say you're parked on ice, you engage 4wd to get out, but once you're out of the ice and acquired momentum, you switch back to 2WD. On the highway, you will need to switch between 4WD and 2WD depending of the snow patchs. It's not that bad, but if you're lazy it could bother you.
N.B. : I'm from canada and dealed my SR5 for 34.5k. Invoice is about 33.5k in canada and but most deader won't go that low.