"Thinking about buying an end of year 2004 Honda CR-V or Toyota RAV4."
Stop thinking--that's about the best thing you can do.
Honestly, those "mini-suv's" are too small, have poor perfomance, terrible handling, bad gas mileage (for their size), limited utility, no comfort, generally poor workmanship, and are usually overpriced for what you get. They have utterly no redeeming qualities. Don't get one.
Buy a PT Cruiser or one of those Subaru pseudo-wagon things if you want a small car with a tallish cabin.
J_A_B