IMO the stripped down version of vehicles are always the best deal to be had. Buy it with an AM radio, steel wheels, basic seats and rubber floor. Add what I want to aftermarket for a FRACTION of the cost. They're a tool for me and nothing more.
I knew my tractor had to have a 3rd function and rear ports but I didn't allow the dealer to do it or buy a kit from some retailer. I pieced the components together, fabbed my own brackets and got both front and rear ports for about half the cost of just a front port alone would have cost me.
Now my better half is the complete opposite, she will add $10K onto a vehicle's price JUST because she wanted the sunroof or a certain stereo package, or leather seats. She also never keeps one longer than a year. But that's none of my business, we don't share money. We split our mortgage, utilities, and any associated costs of maintaining our home, and it ends there. My money, her money and it works out perfectly that way.