It took a friend (who's a stereo installer) and I nearly four hours, but I'm digging both the Scion navi and the XM now.
Shame on Toyota for making the XM install such a pain in the a-s-s. Honda gives you XM for free, an all-in-one antenna, and no hassles.
Toyota charges hundreds of dollars for the parts (even more hundreds if you have a dealer install them) and you have to add a second stick-on antenna, take the passenger's seat out and suffer through all kinds of other gyrations. Sigh...