I got a loaded reserve minus rear entertainment screens. The ‘Black Label’ was just out of our price range. Especially when considering we started our new car journey considering a Explorer, my wife can be convinced only so much. The difference from the Reserve to the Black Label wasn’t that big a deal, it’s a suede headliner, leather on all trim which replaces some vinyl, maybe some more but nothing I recall that I would consider earth shattering. For us the decision came down to the interior, my wife preferred the Navi over the truck feel of the Expedition. Her family is cross country and we plan on making that drive along with including several activities along the way with our babies so the overall more luxurious interior will be a big comfort feature over the expy. The Navi seems to fit better with the cost vs the expy seems like a stretch at that cost. I’m sure buying as soon as it comes out limited our negotiating room on both so we may have been able to get the expy at what we would consider a more appropriate price but we are in a position where we desperately need a upgrade in vehicle because of new babies and the cost wasn’t the #1 priority at the moment. This along with the other items you referenced (warranty, service pickup and drop off, etc...) made it the better choice for us.