Like Schlud said, you know how the money is going to affect you more then we do.
Regardless I'd say just go with the 170hp engine.
It won't beat sports cars in the quarter mile mile but its an SUV not a sports car.
170hp is enough to get you out into traffic without much problem.The only time you'll want more power is when you're impatient, and then its better not to be driving anyway.
