B-nB,
I'm not familar with the XLRs. Seen a couple of them at parks but never went in them like I have the Voltage and the Cyclones. However, they seem similar.
For those that say the toy haulers give up a lot of comfortable space, I guess that depends on what you consider comfortable. I think most are in fact ducted for heat/AC. Mine doesn't have a separate garage though, so it all stays the same temp. As far as space goes, I would say the garage space is more flexible (as PawPaw_n_Gram pointed out). I can put the beds down and sleep four, or raise them up and put a couple recliners there to relax in. I really like (but do not have) the toy haulers that have the ramps that turn into patios. How many non-toy hauler campers have a raised patio?
So, given your situation, I think the toy hauler/Smart car setup would be perfect. But, that's jsut my opinion...:)