Things of course could change for the better or worse between now and then, one positive is that nobody can pick their options now, that comes closer to production, as such I can continue to save as much as possible between now and then and see what my situation is like the day of picking the options.
I can relate to a lot of what you've written, including the feeling of being bummed out that a highly-optioned / first-delivered model is currently out of reach, the fear of missing the full tax-credit, and (perhaps most significantly) the proclivity to write copious amounts of text while speaking very little in-person.
Here's how I look at it:
1. The federal tax credit doesn't vanish immediately, so even if we don't get the full $7500, we'll probably (hopefully!) still get half of it by reserving at 10am on March 31st. Combined with state incentives ($2500 here in MA, looks like $3000 for you in CT), that's still a pretty decent subsidy.
2. Your first Tesla doesn't have to be your dream Tesla. Many Model S owners traded up after Tesla introduced the "D" configurations, autopilot, and higher performance options years later. I see no reason why the same won't happen with the Model 3, especially given that Elon has suggested that later versions will be more "adventurous."
3. As your quote above reflects, there are a lot of unknowns right now. We don't currently know how Model 3 options will be priced (or which will even be available), we don't know what tax credits/rebates will be available in two years, and we don't know what our exact financial situations will be at that time. All we can do at the moment is put down a reservation at 10am on March 31st, save what we can for the next year or so, and re-evaluate our options at that time.
Personally, when I finally get my Model 3 design studio invitation, my plan is to build the best car that my family can reasonably afford (making very conservative assumptions about what tax credits will be available), and let the chips fall where they may.