Welcome to the forum. You pretty much hit the nail on the head. IMO, it really depends on whether or not you feel the PS & QE are worth the extra money. You say you will only trail ride but what happens if you like it so much and your riding changes? Also,I assume you be financing it so the other thing to consider is the added amount of your payment. The nice thing about the 14's besides the 2 major upgrades, is you get different choices of color. You really only talking about 2500 buck overall and the 14' may hold its resale vale higher longer because of the upgrades. If you really dont care much about the upgrades, I would get the dealer to drop the OTD price on the 13' to about 13K.