as per my knowledge and discussion with many people. There is quite a bit of difference in between the two.Lets start with the basics and major difference. A prado feels like a jeep as its seats are a bit raised of the ground like in usual suvs, Surf on the other hand has the seats like a car, they aren't high off the ground.
next comes to drive, surf is quicker, more comfortable and has a higher clearance. Prado is stiff suspension and lower center of gravity which gives it better grip.
Looks is more of a personal matter, varies from person to person.
Surf is more economical as it is lighter.
Colour range is something you can find online.
Price tag has been correctly provided.
Prado has a higher resale.
I guess this covers your questions. 1kd is an engine that requires extreme care in this country because the diesel locally provided is barely of the quality which these engines require. They are very responsive, quiet economical but require extra care. have to make sure you put in clean diesel as it won't digest dirty diesel and if the injectors get chocked due to dirty fuel, 100k worth repairs are in order.