I think you've answered your own question. If you're even remotely thinking of getting the SS now then you'll always have that lingering thought in the back of your mind if you go with the LT. I'm not saying you won't be satisfied with the LT just that you'll wonder "what if I went with the SS". However, the bottom line is not so much as what do you want but what can you afford as a comfortable expense for this ride-----all things considered --not just the monthly payments because believe me you'll definitely have the desire to do some MODs once you get your ride. Either way good luck and congratulations because your about to join the elite group of Camaro owners.