Honestly the new 2025 Camry looks sweet but is there a catch to it?

I know the XLE is loaded with a bunch of features that I haven't seen since the Kia Stinger was released but it also has better MPG than the latter. (That one actually has a V6 but they've stopped making them so parts will be scarce. )

I know there's a subscription model tied to the car for like "remote start" and "traffic assist," not that I ever had that in my old car so I really don't need them but...

I was wondering if the car has any caveat to it? (Besides no V6) I know for some reason the Insurance companies like to upcharge this thing but I wanna chum that up to price gouging, though I also wonder if it's because they know something we don't.