I currently have a non-NAV Acura TL - 2004 and am planning on getting a TCH soon. I do not need NAV for navigating as I rarely travel out of the area where I live. I do use bluetooth and XM radio in my Acura and even without the NAV can see all outgoing and incoming phone call numbers below the speedo. The XM displays on the relatively large radio screen with the name of the song or artist. All of this while driving. The only real reason to get the NAV for me is to have more information displayed while driving than I would get without the NAV for these two features. It sounds like that is not what Toyota has in mind however with their safety lock-out. Would appreciate it if someone familiar with comparing these features in both NAV and non-NAV Camry would enlighten me. The "cartoons" of the gas consumption are not that big of a thing for me.