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I think your choices for option packages is good -- you've covered all the bases. I agree with your comments about the HUD and IAS; I made the same choices for the same reasons.
As for colors, it sounds like you're set on black sapphire - can't go wrong with that, especially with the nice N. Cal weather. With a black exterior, my order of preference for the interior would be oyster/black, beige, black, cinnamon and finally everest grey. I don't think the everest grey is as sharp as the others with a black exterior. That being said, I've only seen the F10 in oyster/black and beige so far. I've seen a 550 GT with the black interior and it looks great. I have grey in my X5 and probably wouldn't get it again. It's all personal preference but that's my 2 cents. My recommendation is to try to actually see the colors in person before you decide.
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