Pano roof: I hate moonroofs/sunroofs in general, and am the kind of person that keeps the shade shut for 30,000 miles and maybe play with it once or twice in the first days. But the MS sunroof with its ceramic coating is actually quite acceptable, and as others have said, the practical benefit is more headroom. Don't just think about your own height, also consider any potential passengers that are tall. Nothing's more embarrassing than trying to demo your pride and joy luxury car to someone and they don't even fit in the car. I haven't appreciated any noise difference, but I have heard with previous generation pano roofs that there was a bit more wind noise. Tesla's gone through multiple redesigns of the system, and the 70D extended loaner I got sounded fine with the moonroof. It did a fine job of filtering out both heat and brightness of the California sun, so hopefully it works well for you too.
As far as the D: Almost every one of my previous cars had Quattro except for a 335i, and I must admit, I missed it, even though I live in a very temperate climate and never drive through snow. If you plan on mashing the pedal on curves or even bumpy highway onramps, RWD can sometimes give you a scare if road imperfections cause traction loss. You gain a lot more confidence with AWD in these scenarios, but again, AWD is sometimes controversial too because it detracts from the RWD handling characteristics that are really popular amongst driving enthusiasts.
For me, the extra money for the D was well worth it and almost a no-brainer. I'm not saying it should be for everyone, but even in warm climates there are handling and real-world benefits to AWD for aggressive drivers or those who live in hilly cities (*cough SF*) and want reliable starting performance from standstill.
