I recently went through the same decision process: SR+ vs LR RWD. I did the "Better Route Planner" thing for a couple of long range trips I anticipated - and in that comparison, I decided the SR+ was sufficient.
Like you I figured 80-90% of my driving would be under 100 miles round trip and the every month or so ~200 mile trip and the SR/SR+ would do.
Then I learned about charging rate differences between LR and SR versions.
Then I learned about "wait lines" at super chargers at busy locations; especially during holidays, weekend, etc.
I've been driving electric cars for 6 years now and have had range anxiety. It's not as bad now as there's far more options - but 'time to charge" on a non-super charger, is well, not a desired factor of any trip.
I have a 7 year old son - long car trips are not his or any kids "thing". They want to get to destination.
Then the price adjustment happened for the Model 3 where the LR RWD with Autopilot actually became $1400 dollars cheaper.
So the net price difference for me was $6400 between SR+ and LR RWD (I got the SR+ order in before $400 price increase) over 5 years is $106/month. $53/month over 10 years (I tend to keep my cars 10 years-ish)
Was spending $106 more a month over the term of a loan worth:
- Better features (sound, nav, etc.)
- Much faster charging rates generally
- Ability to skip a charge or two on a trip (and thus bypass a busy charger station so I don't to go to far out of the way or wait in line to charge)
- Get to destinations generally much quicker so that I don't get much of the "...are we there yet. I'm so bored..."
- Less likely to have range anxiety; especially during less than ideal weather conditions
Definitely I decided. Perhaps as much of 80+% of the time it would matter, but that 20% of the time it would very much. So I changed my SR+ to an LR RWD order and haven't regretted it yet.
And yes the difference between "premium" and "near premium" interiors is mostly fluff, but I actually like having those features. I just setup homelink tonight and it's quite nice...
So ask yourself, does $100 a month really matter?