I totally understand the feeling as I'm in the same situation looking into 2021 models using my 2020 lemon buyback. It's hard to justify almost $5k extra just to get ventilated front seats, power folding mirrors, handsfree doors, wireless phone charger, extra exterior/interior lights and a potentially free sunroof (if lucky to find any left over inventory from early limited build dates when free addon). It seems crazy they want $1600 more for 360 camera plus extras on limited but the package is free in the touring L.I initially bought Limited mainly because it was the only way to get the Advanced Safety package as it was called back then. The 21s all come with ACC and the 360 camera is available on Touring L. My Limited came with Theater, which got some use, but to me it is too much trouble and money. A tablet mounted on the headrest is better. The hand free doors I didn't find particularly useful or reliable. It boils down to the vented seats, folding mirrors and HK stereo- I don't know if it worth over $4000 in price, or even $5000 if you count the S Appearance package that is on the TL I'm considering.
Hard decision, thanks to everyone for contributing.
2020 limited with AST was a no-brainer though (it was the old pinnacle), sadly that's no longer the case. I guess FCA got to squeeze more out of us somehow.
Feels like it might be easier to get a better deal on touring L since they seem to have a lot more inventory of the lower trims in 2021. Dealers seem to offloading the limited and pinnacle quite easily so good dealer discounts are much harder to find in IL on those trim levels as well.