I got the premium. I don't see myself ever needing X-mode. If I lived in a rural area, I might see it as important, but here in NY the 4WD without Xmode is more than adequate.
I hated the look of the bolted on Spoiler and I'm not a fan of leather in the summer with shorts on. (Ouch) The only thing I thought Id miss is the power lift gate, but after seeing how easy it is to open manually and how slow it opens mechanically, I can easily do without that one too.
I did get the navigation, not because I wanted it, but my wife insisted on it. But, a Tom Tom or smart phone is just as good. The premium with Nav is almost the same price as a Limited without, so getting the nav is not a great bang for the buck, but the premium is a good deal if you don't need X-mode or pleather.
Rob