XC 90 Owners - which spec/kit do i go for, or avoid?

[charlieandlola]

please do not turn this into a " all 4x4's are evil debate" Thank you

I am about to get an XC90 but would like some tips from owners about which spec to go for - plus which extra kit is worth it. The dealership is telling me to go with an SE with no additional kit? Will I be missing something worthwhile if I do? Blacked out windows or not?
Am getting the diesel 185 bhp model.
TIA

don't worry, not necessary

we were conned into thinking it was

i do love my car - sure you'll enjoy yours