I was worried that I'd regret not having it, especially given that I've had nice aftermarket systems in the past. But I've gotten used to the stock system and definitely don't hate it. It sounds like for your needs, it will be fine.
If I had it to to over again, I would absolutely get the premium because I like the idea of having the best OEM system and I dislike the idea of going aftermarket on a BMW.
2015 ///M3 | BSM/Full Black/CF | DCT | Silver 19s | Executive | Lighting | DAP | Adaptive Suspension | HK | Enhanced USB | Tint
Past BMWs: 2014 550i, 2013 M3 ZCP, 2012 535i, 2011 E90 335i, 2009 E90 M3, 2008 X5, 2006 330i, 2004 330i