Where I live there are no lights on the road at night so I need something very bright, but with that being said I don't want to spend $200 on it though.
Oh OK, which one did you get? I don't think any of their other bikes come with a premium package option. See I intend to use mine for grocery shopping and running errands so I really need the racks and the pannier.
If I were you, I would definitely purchase the $100 premium package. If you don't, you'll end up spending $295 for all the parts included in the package in the long run.