Premium package comes with lots of bells and whistles, but is it really worth it?
Like anything else, value is very subjective. Most people could easily make do with a regular RAV4 or Prius Prime or Nissan Leaf and save even more money. Others have no issue loading up an X3 30e or Q5e or XC60 Recharge or Model Y and spend much more and have zero regrets. There's always a car that's greener or cheaper or better in some way to someone else. I had a choice and I liked the PP features and I could afford it, so I decided to go for it. Was it worth the investments that could have made 10% or more since June? Maybe not, but I don't regret it at all. Heck, right now I could sell it for over 10% more than what I paid if I wanted to trade out.
I mostly charge overnight and never really need to use public chargers, but it's handy to get extra miles from the 6.6kW system when using a free Volta. The front ventilated seats aren't great, but still better than unventilated, sweaty black pleather. I thought the overhead camera systems were just OK, but I really appreciate it more than I thought. The JBL system is a nice upgrade if you aren't planning to go aftermarket. The 120V AC outlet is handy, but not essential.
I think the main features for me are the Heads-Up Display, adaptive headlights and the rear cross traffic alert/braking system. The digital rear-view mirror also has a wider angle of view and is unobstructed by head restraints or cargo. For me, that more than offsets the fact that it is subject to glare and low contrast. If you have teen drivers or anyone prone to being distracted in your family, you could easily justify the cost for these features alone.
All that said, I'd have been very happy with an SE, too. Don't listen to any naysayers- enjoy whatever you buy and don't look back ;-)