So I know auto pilot & pano roof were my only requirements; however, I've added the premium package to my build (got my VIN yesterday so excited moving forward)... the reasons for me were the cornering & fog lights as I felt this would improve the safety of driving in cases where those would be useful. I know I've found it risky driving mountain roads at night with traditional lights that don't corner.
I also tend to have allergies to everything so the HEPA filter in a vehicle was a pretty awesome addition too. I've never had a car with a power lift-gate so actually was less of a selling point from my end.
Have you reached out to Tesla financing directly? They might be able to give you a better estimate, but know the lease estimator was pretty close in the end to what I was approved for (applied early as was worried if I'd qualify while I still am paying off my VW TDI I will be selling back to VW ASAP)
I am working with an Alliant rep right now and applying today most likely because they stated they can keep the application open and their rate of the 1.49 for 72 months expires today.
I am going to take the plunge with the premium upgrade as well as I feel it completes the car nicely with the other options we are going for.