RE: "What I don't want to do is get something that is too small to do the work I want to do. And I don't want to tie money up in a tractor larger than I need, so big it will tear up yards and be too bulky to get in the places I need to get into."
Exactly the criteria I have. I bought my first CK-20 HST in 2007, then sold it in 2009 to get the CK-20S HST with a Kioti backhoe.
I dug out the foundation for a 1500 square footprint extension, removing 50+ tree stumps with the CK-20 in the process. I've pulled friend's cars out of snow with it, placed 12 tandum loads of 4" minus stone with the loader, and lifted a diesel reversing plate tamper out of my truck and back in a dozen times with the loader. I plow my driveway, a 1/4 mile lane and three driveways off of that with the 72" snowblade, and I can throw anything I can't plow with the 54" snowblower on the back.
There is nothing I want to do (or should be doing) that I can't do with this tractor.
Sure, the high range of the HST will have less power than the low range - that is true of any transmission. But around here, with large rocks, roots, hills and snow, I can do anything I need to do.
Bear in mind the CK-20S will fit under a 7' garage door, but the CK-27 is a bit higher than that. I tow mine behind a Nissan Frontier truck. With the tires fully loaded (industrial tires), the load is close to the limit of what I am comfortable with. I would hazard a guess the CK-27 would be a little much for your RAV4, depending on if you have your tires filled and what attachments you leave on when you move it.
Feel free to PM me if you need any more detail. This tractor has been one of the best purchases I have made, hence buying it a second time without hesitation.
Enjoy -
Jon