I don't have the Premium package, navigation or the center display thing. When I drive loaners that have that stuff, I think some of it is annoying, and the rest builds in things I already have like garage opener and navigation, or automates things that take one second, like selecting seat position 1 or 2 or dimming the rear-view mirror.
The bluetooth might be useful. I have a bluetooth earpiece that I use in the car, but since it's in my pocket and my car is 6MT, I usually don't answer if the phone rings while I'm driving.
...adding: Premium Audio, or whatever they call it now, is really important, also Cold Weather Package if it gets cold where you live.