I went back and forth on option combos to try to keep below 40k and just could decide, I wanted hud, DCC, estorils one week and HK, reverse camera another, so I ended up getting almost everything and not worrying about the 40k
Lead time is the other issue, was a time you could get a car whose only option was colour from stock, not sure now any are left, but that might be the best route then get yourself some new wheels and be done.
Winter pack, and DCC seem to be most common from my reading here