Trim level is totally a subjective thing. For me, the ventilated seats, while not miracle workers, do help on hot days, especially after the a/c has been running for a few minutes. We are over 100 most of the summer here and while I could totally live without them, they are nice. On the flip side, I have never found heated steering wheels useful, but I am rarely in truly cold weather.
The 360 camera has proven more useful than I thought. For one, it automatically pops up when you are backing up or it senses you are getting close to an obstacle pulling forward. I no longer need a tennis ball in my garage because of it. I have also used it for tight parking spaces or navigating on a side walk at work that I occasionally need to drive onto. Again, could live without, but pretty nice! And certainly much more helpful than I originally figured.
I am surprised to hear a negative review of the Bose audio. Reviewers consistently rank it the best in class (often by a wide margin) and I myself have found it to be one of the best sound systems I have experienced in a car. I will say it is possible to have the settings mucked up in such a way that it can sound terrible. If you are still considering a higher trim when purchase time hits, I would suggest taking a look at how it works and some of the preferred settings out there.
I agree the HUD is not a game changer at all. I do appreciate that it does display navigation instructions (including those from CarPlay), but really I would not miss it at all.
There are a few other things you do not get on the base Turbo that are on the Premium and Premium Plus that may be worth considering. Memory seats/mirrors/HUD, auto folding mirrors, auto dim mirror (PP only), LED map/door/cargo lights, heated rear seats (PP only), wireless charger (PP only and it sucks), navigation (PP only and the SD card is widely available for other trims), traffic sign recognition (PP only and not amazing), front/rear parking sensors (PP only), Traffic Jam Assist (PP only), and Blind Spot Assist (PP only).
Of all of those, the only one that I would deem rather important are the parking sensors. No idea why they are not on the lower trims.
All in all, the Turbo is a pretty decent value, but for me the dealbreakers were the ventilated seats, memory settings for seats/mirrors/HUD, and Bose audio. I would have been totally happy with a Turbo Premium, but a Premium Plus was available at MSRP and I thought I would appreciate the HUD and 360 camera, and definitely wanted parking sensors.