Unfortunately my peasant XLT was well into Lariat $$ territory by the time it had the XLT Premium Package, Black Appearance Package, Power Rear Window, Twin Panel Moonroof, Center Console etc

. I could have ordered a Lariat with some patience and saved a few bucks, in fact the guy who owns the marina I slip my boat at has a 2024 Lariat that MSRP $11,000 less than my 26 XLT, but bear in mind his is a super cab versus mine being crew.
The one thing Super Duty XLT falls short on is auto dual climate, the F-150 XLT Premium gets it. For a $76,000 gas truck, I think auto climate is a reasonable expectation.