There are tons of factors in play to determine if the hybrid or traditional gas engine is better for you.
First is climate. While the hybrid does get very impressive fuel economy- roughly 35mpg- that's under ideal circumstances. If you live in an area that has really hot summers or cold winters- your MPG will fall during those times- sometimes significantly. First because it takes a lot of energy to heat and cool the cabin at extreme temperatures- which will result in the gas engine kicking on more often. Second because the gas engine, in cold temperatures, will run more often to maintain operating temperature. As a result, it isn't uncommon to see winter MPG in colder temperatures fall down into the mid-20s. Hybrids will perform best between about 50 degrees F and 75 degrees F- when the heat doesn't have to work hard and the a/c doesn't have to run much. The gas engine will also see a MPG drop from extreme temperatures- but from experience, the MPG loss is more severe with the hybrid engine.
Second is typical use- and there are a lot of factors here. First, you mentioned that you generally drive in rural areas. How long are those trips? Lots of short trips will cause lower MPG than longer trips- again because the gas engine will generally run more when the Highlander is first started in order to reach the normal operating temperature of the engine. So if you drive a lot of shorter trips, the Highlander Hybrid won't be nearly as efficient compared to if you combine all of those trips together back-to-back or your normal commute involves 20-30 minutes of rural driving rather than several 5-10 minute shorter trips. Related to the idea of typical use is how you drive. If you accelerate briskly or have a heavy foot- that obviously will reduce MPG of the Hybrid. (The same could be said about the regular gas engine.). Hybrids are most efficient when they are driven calmly- gradually increasing speed or reducing speed. Slowing down, for example, is better in the hybrid if you do it gradually so that the regenerative braking does most of the work rather than your brake pads. Thinking 20-30 seconds ahead with the hybrid will produce better MPG. If you know that you'll need to be slowing down soon- doing so gradually- and just lifting your foot off the accelerator will be more efficient than waiting until the last minute to hit the brake pedal.
Lastly is your long-term plan. You say that you normally drive 25k miles/year. How long do you plan on owning the vehicle? The batteries that Toyota uses in their hybrids are generally pretty reliable long-term. The nickel-metal hydride hybrid battery in my 2007 Camry Hybrid was still going strong when we traded the car in after nearly fifteen years and 180,000 miles. The longer you keep it, the more savings that you'll experience in terms of gas expense. One thing to note is that very gradually- over time- the performance of your hybrid in terms of MPG might go down as the battery gets older. For example, my 2007 Camry easily exceeded its official MPG numbers when new. When it had 180,000 miles on it, it had a bit of trouble meeting those figures- just because the battery's capacity was lower than it was when it was new. It's just something that happens with hybrid batteries as they age.
One more thing- is simply preference. Do you want the additional power that the 2.4 turbo engine offers, or the better MPG of the hybrid? When I bought my 2022 Highlander last year- it was an easy choice. Toyota's 3.5L V6 is pretty legendary and I knew that I wanted one before Toyota stopped producing that engine. If I were to buy a Highlander in 2023, I'd probably go for the hybrid engine over the new 2.4 turbo. I want an engine that's proven to be reliable and not going to give me headaches as the car reaches 100,000, 150,000, or even 200,000 miles. Last year, that made the 3.5L V6 the better choice for me. Now that that engine is gone, I honestly believe that the hybrid engine is the better one in terms of long-term reliability and durability. AWD systems might be another point to consider. Toyota offers three different AWD setups for the Highlander. If you want the torque vectoring AWD system- that's only available on the XSE, Limited, and Platinum gas models. The hybrid uses an electronic AWD system that's still capable, but probably doesn't perform as well. The L, LE, and XLE gas models uses the old AWD system that can send power to the rear wheels, but can't differentiate that power between the back two wheels. Both wheels will get equal power and traction in those models- even if only one of the rear wheels has traction.