Wow. I walked into a dealer and drove a fully loaded e92 m3 with individual paint (80k msrp) and I am much younger than you.
As far as the stripper vs. loaded I think it depends on the person. My previous car has a cd player and that was about it (had leather too). My new car has just about everything. I guess I could go back to the "stripped" configuration, but certainly not willingly. At the same time my "commute" is so short that I don't know that I would care that much. It is nice to have bluetooth. Idrive is pretty cool too. Certainly not must haves though. If I spent more time during a day in the car I think I would have to have all the cool tech stuff and leather. When I was in the market I looked at a e90 dct with comp and nothing else. I liked it, but didn't end up buying it mainly due to it being dct (I wanted 6spd).
Just me though.