Difficult to advise anyone else on choice of options, I think it's a very personal thing. Recently bought my XF. It was a laborious tasks, but I listed ALL options for ALL model variants, then deleted all of the common features - surprising how many there are, which left the model specific or optional options if you know what I mean. from there I was able to define which were the 'necessities', which were the 'nice to have', and which options I just wasn't fussed about. Helped me a great deal anyway.
Hope that's of use.
Regards
Marmaduke