the different is, the flagship got sunroof only right?
i would go for premium to save money

Got budget then flagship, no budget also find a way to make up the few thousands for the flagship. On paper flagship is definitely the best buy

Executive vs Flagship would be a better comparision, since only singnificant difference between the exec and premium is reverse camera which you can pasang sendiri/shop.

The main consideration will be do you think you need ADAS or not. Its more of a safety net in case anything that might happen, but can be preventable with good driving. Personally, i feel passive safety is more of a importance compared to active safety. Some people also do think that all these electronics are more troublesome that useful (I hate the keyless start because when it fails, can be a bit or troublesome).

If you are only doing city driving, then only the auto emergency braking and blindspot monitoring is of any use.

Long story short, you mau active safety ke tak? If you can't decide, then just go for flagship if you have the cash. You can use this as a chance to try out the ADAS (hopefully you dont come in a situation the needs it).

Flagship jer lah, no need to think.

IMO, Premium spec looks to be the most cost effective one. Problem with fancy gadgets is they are expensive to fix/replace.

i feel this remorse as well