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.
2014 550i M Sport | Glacier Silver/Black/Anthracite | Executive | Lighting | Luxury Seating | Black Grilles | 20" OEM Style 303 w/Bridgestone S-04
Past BMWs: 2013 E92 M3, 2012 F10 535i, 2011 E90 335i, 2009 E90 M3, 2008 E70 X5, 2006 E90 330i, 2004 E46 330i