what should my decision making process be (steps) when buying the toyota

Go to cars.com .Look for all the dealers around you and send them all emails that you are interested to buy this toyota camry hybrid. Let them know the color,interior,auto or stick shift and everything you wanted for a car and ask them to email you back the "out the door" final price. And from there you should have gone to your Credit Union for a loan.

As I mentioned earlier, don't buy the Camry Hybrid. Get the Nissan Altima Hybrid instead.

The Nissan Altima Hybrid is essentially the same car as the Camry Hybrid, using the same exact Toyota Hybrid Synergy Drive system as the Camry Hybrid, which Nissan licensed from Toyota.

The main difference is that Uncle Sam will pay you $2300 to buy the Altima Hybrid. http://www.irs.gov/irs/article/0,,id=176409,00.html

In contrast, you get $0 Federal Tax Credit for buying the Camry Hybrid.

As I mentioned earlier, don't buy the Camry Hybrid. Get the Nissan Altima Hybrid instead.

The Nissan Altima Hybrid is essentially the same car as the Camry Hybrid, using the same exact Toyota Hybrid Synergy Drive system as the Camry Hybrid, which Nissan licensed from Toyota.

The main difference is that Uncle Sam will pay you $2300 to buy the Altima Hybrid. http://www.irs.gov/irs/article/0,,id=176409,00.html

In contrast, you get $0 Federal Tax Credit for buying the Camry Hybrid.

As I mentioned earlier, don't buy the Camry Hybrid. Get the Nissan Altima Hybrid instead.

The Nissan Altima Hybrid is essentially the same car as the Camry Hybrid, using the same exact Toyota Hybrid Synergy Drive system as the Camry Hybrid, which Nissan licensed from Toyota.

The main difference is that Uncle Sam will pay you $2300 to buy the Altima Hybrid. http://www.irs.gov/irs/article/0,,id=176409,00.html

In contrast, you get $0 Federal Tax Credit for buying the Camry Hybrid.