My original thought was that I would buy a Trail Premium/ Off Road Premium for the leather, nav, rear locker, and such. I also have my heart set on getting the KDSS. I have heard good things about the KDSS. When I first started researching the 4Runners I wanted everything - full underbody armor, front bumper with winch, roof racks with LEDS everywhere, mud tires, ect. At this point I am thinking I will buy this thing, drive it for a year or few months and start slowly adding things that I feel I will use and benefit from. This will be my primary commuter so I need to be careful with anything offroad related. If I use this thing on weeks for offroading and benefit from a 2-3 inch lift that I will look at that. If I don't really require more clearance then why spend the money to alter handling. Everyone wants to make the craziest offroad mudslinger they can think of...but I have to drive this thing to work everyday and out to dinner and to weddings in a suit. Things to consider.