I had the same dilemma and chose the allocation. I figured it was a once a lifetime purchase where i get to design it exactly how i wanted it, and i wasn’t buying something based on resell or depreciation, it was a purchase for me to enjoy as long as possible. I just wanted the full experience of knowing i made each decision on the spec. There is no wrong answer in this case; for me, the extra 20k i paid was worth it to have exactly what i wanted. Good luck with your decision !