I don't mind buying the higher trim level so much as not getting the features I want. Once I select F-150 Supercrew 4x4 lariat, there really isn't that many options or combinations of options. They have severely limited it.
The biggest annoyance for me is I don't want the tow mirrors, I'd much rather have power folding, however once I select the Lariat Chrome Package, I'm stuck with tow mirrors! I want the rest of the chrome package.
I guess it comes down to deciding what you want more and living with the rest.