If you REALLY want a premium or some of the features, opt for the base model if you are financing. Then later, purchase some of the premium take-offs on ebay or such and install them yourself. That way, that is $3,000-$5,000 less that will be financed and WILL NOT gain interest over the life of your loan.
When I got my 2014 V6, the Premium was like $4,000 more. Instead, I spent $2,500 buying all of the stuff and doing it myself. Not to mention what I also saved without getting the interest that the $4,000 extra would have gave me.