Speaking of personal experience, I've gotten addicted to the bells and whistles over time.
Back in '85 I had to order my first new car because I couldn't find one that was equipped the way I wanted it, without any, what I considered at the time, "crap" that didn't add to the performance of the vehicle and made it more expensive to own and maintain. I ordered the larger engine, beefier suspension, locking axle, and the only "comforts" were for driving, like cruise control. No AC, no power windows, not even a radio. To appease my wife I did order heated seats and, as predicted, they broke promptly after the warranty had expired.
My first SUV in '90 was the same type of deal. I got the V8 and both locking axles, but everything else was bare bones. Manual shift. Manual transfer case. Manual hubs. That truck didn't even have carpeting. There was a huge, flat area between the two cloth bucket seats, and I bought a huge plastic tool box with a waterproof cover, and that became my console. Two rubber cup holders from Walmart sat nicely on it without moving around too much.
Then I started getting lazy, for lack of a better term, and bought cars off the lot. Each came with something that I didn't need, but hey it was there and I could unload my old ride that day instead of waiting almost two months. I think the first "not needed" option was keyless entry. After having it I don't know what I ever did without it.
Each successive vehicle was the same deal. Next it was power seats, then dual climate control. Then leather. On and on. I haven't got to the point, with my latest, of going "Summit", but I can see why folks do.