Hi remember VTi is 13 lakh and 1.6lit, while XLi is 8.79 lakh and if you ready to spend another 50,000 u can get all the features you hvae mentioned like power windows, mirrors, alloy rims, CD changer etc. After 5 or 10 years when you would like to sell your ride VTi will lose almost 50% of its value, while XLi may sell at the same price or even more if you keep the machine well maintained. So choice is yours. If you care about your hard earned money keep Xli, if you have easy money go for VTi