Decision is ultimately up to you. For me, I chose to go WITHOUT the nav, because of cost (like you said $3k is still $3k), and since I already have a couple of high end hand held navi's that I could move from vehicle to vehicle, I chose not to go with the OEM NAV.
I'm happy with my choice... I chose to use the $3k on the sport package instead  Don't get me wrong, the OEM NAV is NICE. I would have loved to have it... but because of cost and because of the convenience of hand held GPS's, the OEM NAV was moot to me.
Besides, there are a lot of folks who have installed aftermarket NAVs into the console... they look pretty darned sweet!
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2012 5.0 GT Prem, Kona Blue, 6MT, HID, Brembo, 3.73 -- Ordered: 9/20/11, Born on: 10/20/11, Delivered 11/15/11"Marilyn" GT500 mufflers/flaps, MGW shifter, FRPP K springs, BMR panhard bar, Boss coil covers, 3DC spoiler, Llumar Tint (35% and 20%), 3M ClearBra
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