There may be another option. On the Gen 3 OR there was a vinyl application. depending on your skill level and/or need for perfection this I'm sure will be a thing for Gen 4.
Here is my experience with Toyota over 3 or 4 vehicles in the past dozen years or so. I have found they (Toyota) give me the best deal (out the door price) if I use Toyota financing, which is never the best (financing) deal. I don't put any or much down at all. Make one payment (or not), I then...