I think y'all are right. I don't see them blurring the lines between what has clearly been set up as two pinnacle lines in the GC lineup. I think the fully optioned Overland is the top of the line for the person who wants bells and whistles plus trail rated off road capability. The Summit is the top of the line for those who want capability, but are more interested in non-off road refinements. To allow an a la carte configuration would cost more $$ than simply saying: here are your choices, you can't have it all, but you can get most of what you want depending on what's important to you.
For me, having just been stuck in mud two weekends ago, front tow hooks are ESSENTIAL, and having to remove a section of bumper each time I want to tow will be a minor annoyance. Leaning heavily towards the fully optioned Overland!