Just don't spend more upgrading to the premium level than what the premium level would have cost in the first place.
Difference is probably closer to $2500. Subaru's got 1.9% financing for 63 months. Thats about $50 a year or $250 total or $4 a month increase in payment. I would think running around to get parts or have them shipped on top of having to self install would "cost" well over $4 a month more. But then some people enjoy the journey. YMMV.Is that really true? The cost of the premium, if you borrowed money, is definitely more than just the difference in sticker prices. I mean, a $4k difference or whatever is one thing (and it would be easy to spend way more than that with DIY upgrades), but then consider the cost of financing that $4K over 3, 4, 5 years, and spending more than that hypothetical $4K ain't so bad.
Someone who actually does math could figure out what the additional cost for premium model really is.