Well, a 2021 Limited with AWD is $4450 more than a loaded 2021 SEL with AWD. For us, personally, the items on the Limited that I do want (HUD and the turn signal picture) aren't worth the added $4450. Add to that that we'd really prefer a bench seat (unavailable on the Limited), and for us, it makes no sense.
Our biggest issue is that the loaded SELs are hard to come by with bench seats. We just test drove one with bucket seats yesterday and liked it, but honestly, we know the bench is what will work best for us, the kids, and the dog. I think it's weird that the bench is so difficult to find. So many car companies seem to think that their top trims don't need extra seating. They must have done plenty of research to have all come to that conclusion, but it's still surprising to me.