[pallymore]

for 328...i'd say definitely make sure you get lighting pkg.
cold weather: inexpensive and very nice. If you are getting leather seats, this is a must.
Driver Assistance (and DAP plus) : nah. If you really want to have radar or backup cam, you can order them separately. (750 + 400 option)
Dynamic Handling: must.
Tech: Must (head up display ,the whole idrive stuff, ad so on)
premium pkg: meh. If you are definitely getting leather, you could consider this one. but if you have to choose between this one and any of the other musts, don't hesitate to skip this.
HK audio: I'd say yes if you love music.
paddle shifters: yes if you love driving, but it's not really a must.