James,
As you say, lots of good feedback already and I can't add too much. But regarding cost comparison, when my father went through this same exercise late last year he was budgeting for some kind of suspension upgrade for the LC200 in order to tow his 2t caravan (loaded). I don't know the details but it seemed that the 200 sags without an upgrade and the D4 requires no changes to the suspension. He claimed it was going to cost him over $100k driveaway when this was included but I don't know the details. He was moving on from a LC100 and now owns a D4.
Note also the rims can be a delayed expense too. I chose to go for the 18's almost straight away but as mentioned already, there are a couple of reasonable 19" tyre options that would see you through most situations/places. What tyres come with the LC200? If they are highway spec then remove the tyre cost from your comparison as you have to spend that money either way.
But above all that, I think this is the key point from your original post:
"I like the Disco better, nicer to drive, doesn't feel so "huge" and better driving position. Love of course the air suspension. Interior seat design ****s all over LC200."
Life is too short.
Cheers,
Scott

