The big differences are the Off Road having Hill Start Assist Control, Multi-terrain Select, Crawl Control, and Locking Rear Differential. You probably wont need those if you are staying on road.
Predator package isn't available in all areas and it's easy to apply the appearance items yourself, the Predator Steps are more visual than functional(off-road).
MSRP (can be found for less)
All Terrain Tire Upgrade (Replaces 4 Factory Wheels and Tires Listed):
TRD Matte Black Wheels $860
Tires $800-900
Predator Pro Step Bar $649
TRD Pro Grille $600 approx
Black Emblem Overlays $150
MSRP.......................$5299,Discount.....................$2000,New MSRP........................$3299
If you did it yourself you could also sell the wheels and tires to make a little back, but buying it for around 3299 isn't terrible if you don't want to do it yourself, I wouldn't pay more though for that package.
Thank you for the information.