Follow your instincts. Only you know how you'd like to use your car.
HK can be had with or without the Tech pkg or Nav. Sounds like neither the Tech pkg or Nav is going to be a worthwhile option for you. Don't buy what you won't use or don't need. Yes, if you have a smartphone much of what the Nav system does can be accomplished using a smartphone.
Consider getting BT/USB or enhanced BT with the BMW assist pkg. This could be helpful if you plan to connect your phone for more basic uses.
If you prefer driver type features then go for it. DHP, N55 motor, Sport pkg/MSport, etc. All good stuff!