Based on MSRP only, and I could do it over again, I might get the 40th, then aftermarket the nav.
I have the Nav which is virtually unused. The Music Box feature is my favorite part, and used every day.
In my case the dealer reduced MSRP over $7,000 on mine and held more firmly on 40th. I am not wild about the red inside either, but could learn to warm-up to it someday.
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