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$24k = MSRP? You don't normally pay the full MSRP on new cars do you? + IF you can get the 2% off from being part of the Subaru VIP program (big IF, I know), that would be comparable to the rumored / hopeful Scion no-haggle prices for the base model. Confused.
Everyone is going to hate me but I for one might spring for the navi system (either car) if I can... my GPS signal in my phone gets lost when I put my phone down and I'm afraid that if I fuss with it too much a cop will stop me and issue me a ticket. And it's more convenient and easier to see. Plus, using the GPS app on my phone makes it harder for me to text while I drive. (kidding.)
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