In case people are thinking about one, without trying we are getting over 37 mpg on ours. According to a recent newspaper article, pay back on the hybrid model is 1.8 years.
The only issue is an annoying faint grinding sound coming out of the central dashboard vent when HVAC is blowing thru it. Initially dealer claimed he could not duplicate but I went down there and suddenly he could hear it. The normal "we will remove the top of the dash and add some pads to the clips" did not help so now they have ordered a new piece for the top of the dash.
Otherwise a very nice car. But don't buy the navigation system. Our Magellen 1200 is easier to use and more accurate than the one built into the Camry.