Warning: the following may be unpopular.
I see you "have to have" the Pano and I respect that however (just my .02), I've had vehicles where we "had" to have the sunroof. Part of us bought it for the kids to look out of as we drove, which they did, for about a week. After that, the dang thing was closed because it was too hot, too cold, too noisy, too bright, blah blah blah. Our current Lexus has it, ain't never opened it. Again, this is simply my experience with sunroofs and I know the pano is super cool and all but....
Eliminate the LED and the pano and you can have a great brand new truck at a price that doesn't push your budget. I know folks will say that when financed it only adds a few dollars a month but, in the end, it still costs more. There's more to life than payments.