I tow a boat so the Backup Camera is a godsend (for $6K not worth it). I purchased a loaded Limited so I guess I'm not one to give you a valid comparison between the two, however, I would go the XLT Premium. I have never looked into it but I would suspect with all three rows etc... The aftermarket leather would end up costing more than the upgrade or it won't look as good.

My one concern I have with mine is the cost of replacement of the tires for the 20in wheels, going to be pricey. Also if you run off-road much the 20in wheels are not a great option IMO. I would prefer more tire.

It's your money, your decision.

Johnny