I've lurked here for a while and I see some people forgoing LEDs, big wheels, night edition, bed utility group on their order but then spending the next 3-4 years adding those things to their truck Some of us just like to tinker with things, others want to save money.
So looking at it two ways
1. Save money up front
2. Add the things you actually want
3. Save money on the things you want instead of over-paying in some cases for OEM tonneau cover or running boards
4. Have something to add to your truck and tinker with
OR
1. Order the truck fully built out "needs nothing"
2. Enjoy the factory & extended warranty on those items
3. Experience a better return on investment as "Protection Group" or "Bed Utility Group" actually add value on the trade-in versus "aftermarket skid plate & cover"
4. Pay more up front (and in interest if you're financing) and the monthly payment hurts slightly more every month.
Sometimes I buy a base model and build it up how I want it because I'm going to keep it forever and don't care about resale but in the case of the RAM, it's getting a wireless CarPlay dongle and that's it. The truck doesn't need anything and should sell for a bit higher or faster in 5-10 years.