Omitting the cellular modem would be a nice way to save a few bucks, and would save me the effort of pulling the fuse or disassembling the dash in order to silence Internet traffic to and from the car. But how will Toyota sell my driving habits to car insurance companies then?

I'm not in the US, but here in Europe Toyota's hold their value really well (too well I'd say). Is that reflected in the US financing rates, so you can get it for really low payments?

Maybe they could shave $3-5000 off the cost by not giving it a "high-tech interior", going completely against the design philosophy of the car in the first place.

That's not bad. Those are going to be some fantastic value used cars, eventually.