I had a AW ext. /black int. 320i loan car today while I had a couple of small warranty issues fixed. The only options AFAIK that were ticked were the roof and reversing camera.
As far as comparing what options I missed and noticed the most, it'd be the suspension, lack of HUD, standard Nav, non-extended display and standard speakers. I have the Anthracite roof liner also, but I was ok with the stock one this car had.
The car in standard trim is quite capable but missing a few things to really give it that luxury feel.
Whatever you end up choosing, and I know you're already thinking the same, but in the end just get whatever you want that works for your budget. Everyone else can be hung, they're not going to be driving your car!