24 CS SEL Premium R-Line

I’ve been looking at buying a new car for a while. I’m not in a rush as I don’t need a new car, which has made the decision difficult. I have been waiting to see what prices do as these cars are sitting on the lots near me. Initially I was looking at a fully loaded SE/tech but as I’ve thought more about it I do not see the point since I don’t get many added benefits from my current car. Which has brought me to the CS SEL Premium. A local dealer is selling one for 45.5k including the rebate or 48.5k with the special APR. I like how you get the 360 camera and the upgraded sound system. Also, coming from a Tiguan I like the added towing capacity since I’m almost maxed out when towing my Atv and am concerned that I may be putting more wear and tear on my car since I’m almost at max towing capacity. Right now I drive a 22 Tiguan and I’m almost at 50k miles and can’t decide if I should make the upgrade or wait a bit longer. I’m thinking since I’m almost out of warranty and I’ll need new tires and brakes in the near future that I may get the best bang for my buck to upgrade now. With that being said I’ll be financing a portion of the car and don’t really want a loan although I may take advantage of the .9% APR.

A bit drawn out but just wanted to provide some context. If anyone has this car I’d love to hear your thoughts. If anyone has gotten a better deal please let me know! Also, if anyone has experience with cars and think that it may be worth upgrading due to the upcoming 50k service and warranty expiration that would be greatly appreciated. TIA