An ACV36R is the previous model 4cyl Camry, a MCV36R is the previous model V6 Camry. The "update" refers to the mid cycle update of the Camry which was purely cosmetic (Headlights, tail lights, bumpers and interior trims) which happened late 05. 02-05 is normally refered to as a gen 5 Camry the update model 05-06 is a gen 5.5. An ACV40R is the current 4cyl Camry which is having an update soon. This one is refered to as a gen 6 Camry. Always ask for a drive away price so you can compare apples with apples. The gov taxes are usually stamp duty and rego transfer costs. Ex gov cars can sometimes be good as they usually have low kms, but it depends if the person who had the car drove it like they stole it because it was not there own car. Get the car checked over by someone who knows what they are look for, either a trusted mechanic or get it inspected by a motoring body like NRMA, RACQ or RACV. Can cost around $200. With a dealer you will pay more than with a private seller, but in most states there is a statutory warranty when buying from a dealer. As newbies it might be best to stick to a dealer for some piece of mind, the bigger ones are usually more reputable then the smaller back yard type dealers.