2006 400H looking at series 4 (2020+) or series 5 (2023)

[06_400_h_se]

Hi all,

I'm starting to look at replacing my 2006 RX400h in the next 6 months or so with a newer model. I don't really have any issues with the current car and it's still like new, but I think in the next 12 months or so, it's time too move on. I'm currently looking at getting a late series 4 (post 2020) so I at least have apple connectivity, but one thing I noticed is the insurance costs on these is significantly more than a series 5 (2023+), even though the latter would cost around 50% more. 

That aside, the series 5 does look much improved over the series 4 (although either is going to be much improved over my current car). It also looks like the series 5 has plug-in EV capability, albeit limited. But on the downside it seems to be a 4 cyl engine vs the V6 on the series 4.

Any thoughts on which is the better way to go all things considered? Is the extra ~15-20k worth it for the series 5?

Pros/cons as I see it:

series 4: Cheaper to buy, V6, L option (would be useful for me, but not essential)

Series 5: Cheaper to run, better interior ?, more full electric range 

Thanks.