I just faced a similar decision and opted for the SEL with premium for $43.5K. As a family, we made the decision that the extra features were not worth the extra $4.5K and a bench seat was a must.
Limited VS Fully loaded SEL
Having a big dilemma between a fully loaded SEL AWD (~$43k) vs Limited AWD (~$47445). Is the $4500 difference make the limited worthed ? I believe the difference are napa leather, pano moonroof, head up display ,360 viewing and the full digital cluster... any other differences ? I am really torn as what drew me to SEL is the bench seat options.. will be nice to have 8 seater options when needed. I hate that both KIA and Hyundai dont do bench seat on limited trim...
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