I hate to tell you this, but if you're going by gas pricing, it only goes up. Gas prices going down is only a temporary relief until the gas companies figure out how much they can jack us at the pump. Gas prices will never be the same as they were, say in 1998. But I have a gen3 5sfe, and although there's an acceleration lag, there's far more room in the engine bay to play with.

But if you're planning on keeping things stock for the most part, get the v6. They've gone a long way with the I4 in the camry, but it's still not up there with the other 4 bangers out there. I also have a gen5 with a I4, the acceleration lag in the gen5 is minor compared to the gen3. You should probably just test drive both to get a feel for yourself.