I am not trying to kick a man while he's down, but you hit the nail on the head. You don't want to be the one left off a feature on a high spec vehicle. I most likely will be in the same boat myself by leaving the pano roof off of mine but I have ergonomic reasons for doing so. I sell farm equipment that costs over a 1/2 million dollars a piece now and I still have customers that will quibble over a $1000 option and it's like when you're spending that much money you want to have it equipped correctly for resale value.... You don't want to be "that guy"....
EDIT: I want to be clear I'm not trying to diminish each of your individual choices, financial situations, or preferences. TBO, I personally have NO BUSINESS buying a truck that lists for damn near 80 grand. But I spend a TON of time in my truck on almost a daily basis and when I ram the configurator for BH, Laramie, Longhorn, & Limited I felt that the Limited was the best value for ME. (With the additional benefit of being equipped with an incredible interior)
Another example: I personally don't understand the monotone and/or "murdered out" aesthetic and prefer some tasteful jewelry on my ride . (Chrome) I also understand I'm probably in the minority of that choice anymore. That's what's cool is we're able to buy and customize these amazing trucks to our personal taste!!
Everyone's situation is personal to them and if you're comfortable with the possibility resale may suffer, THAT'S OK!!