Agree with you as long as you don’t feel like you are compromising on functionality. For me I couldn’t do non-fold down seats in the 2nd row. Also needed a bench seat for my 2 dogs. That’s too much of a compromise to lose that and pay an extra $20k for more speed.I got the plaid for the same reasons you described. I hate having regret especially if money isn't a problem. I've always bought the top spec trim of any vehicle just to be on the safe side lol.
if you are the kinda guy that's gonna get pissed if you see another plaid on the road then just save yourself the heartache and do it.