My pick is leather dashboard, contrary to every other opinion so far. I've done fine without all the other options you mentioned, but I've been very envious of the leather dashboard ever since it became a 3/4 series option. The standard dash is so boring.
That being said I also wish I had splurged on HK. I could care less about HUD, nav, cameras, etc. but that is my opinion and may differ from your own priorities of course.
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