You might try going to http://rav4world.com
A lot of people posting there have the dash rattle problem. Some have had it resolved, and they can tell you about the Tech Service Bulletin Toyota put out on this problem.
Also addressed there are hard ride, roof racks, and cold idle speed.
About the hard ride, check your tire pressure. It should be 29 lbs psi, but a lot of RAVs leave the dealer's over-inflated (mine were over 45 all around). It seems Toyota puts a lot of air in the tires for the boat ride over to the US to avoid flat-spotting the tires, and the dealers aren't checking this before selling the RAVs. Getting the pressure right might cure your problem. It has worked for others.
Between that site and this one, you may find your answer.
Good luck with a fix.