Ok I'm ready to replace my 98 Expedition and I think I've decided on a HiHy. See, I've already got the lingo down

Anyway, here is what I think I want, and some questions:
Limited model - I would like leather seats and wood trim.
3rd row - Do I really need it? I hear it's tiny. Also, when it's folded "flat", is it really FLAT? as in if I fold the 2nd row down as well is the entire back a flat area?
AWD - I read the post on snow/ice. I figure if I'm sticking with an SUV I'd like one that won't get me stuck in a little bad weather.
Navigation - Is the Toyota system good? Should I just get a 3rd party navigation? I have a laptop so I could use that with a GPS puck as well. However, is the information you get regarding the engine/battery use on the navigation screen truly helpful?? That would be a big reason to consider this I think.
Towing - I figure if I had to pick, I'd get the towing package. It sounds like the HiHy can tow a decent amount, and I don't tow much but I like to have the option.
Spoiler - What package is this in? I think the car looks a little too mini-vanish without it.
Tint - How good is the factory tint job? Worth it?
Ok what else??? I've never purchased a new car (had 3 used ones) so I'm really excited/nervous about the process. I would like to take advantage of the current 4.9% financing for 48 months and the tax credit though.
Thanks for any help you can give me, I'm really excited about this vehicle.
OH, one other thing - should I wait for the 2008???? For those of you that own a HiHy already, what is new on the 2008 that you would have liked to have?? I really want to get a new car soon but I don't want to be stuck driving the "old model" once a new one comes out. I did that with an old Explorer once and I remember feeling like a dinosaur on the road next to the new body style!