I've got a 2012 F150 Lariat - regular tow package. I do not have the navigation nor sunroof, but I believe everything else - 2 wheel drive. My payload capacity is 1508 not much lighter than your max tow. I'm considering purchasing a 2013 or 2014 (when available) F150 Lariat max tow with all the goodies, but it may not increase my payload capacity. I may have to order the larger truck bed to get the hd package.
Like you, the 250 may be a bit costly as it would also be my daily driver. My commute is 70 miles round trip per day.
Congratulations on the truck....she's a beauty!
2013 Rockwood Roo 23ss
2012 F150 Ecoboost
Camped for 12 nights in 2015 - too many cancellations
Camped for 25 nights in 2014!
Camped for 24 nights in 2013!