From fuel prices to tax credits, which hybrid pays you back?

Saturn Vue Green Line Hybrid

Base Price (inc. dest): $26,270.00
Tax Credit  $1,550.00
Adjusted MSRP:  $24,720.00
Premium:  $2,570.00
MPG: 25/32 (city/hwy)
MPG Benefit: 6
Combined MPG: 28
Annual Gas Cost (15,000 miles, $4.20 per gallon):  $2,250.00
Gas Savings:  $613.64
Years to Payback: 4.4
EPA Pollution Rating: 7
Compared to: 2008 Saturn Vue XE AT
Base Price (inc. dest): $22,150.00
MPG: 19/26 (city/hwy)
Combined MPG: 22
Our Take: “Hybrid-lite for those put off by the hybrid premium, the Saturn Vue Green Line combines a respectable sticker price with respectable fuel economy numbers. With a lower tax credit, however, you may wind up paying more, for less.

Details, Price Quotes:
Saturn Vue Green Line Hybrid