Depending on how handy you are....you can usually buy and piece the options you want after your purchase.
Not sure how it is with Ford, I assume the same in the fact that most if not all wiring is there or you purchase a harness kit and add the factory GPS in. Ram is this way...you can buy a tradesman (XL in Ford terms) and put the larger radio screen in and steering wheel audio controls...all plug and play and doesn't force you in a "package" with a bunch of junk you don't want.
I highly doubt you will get pearl white paint though...Ford likes to save those fancy colors for the high end trucks. Not to push Ram on you....but they opened up something like 26 color options for a $450 up charge...including low volume colors such as bright green/orange. At least Ram is finally giving customers more than three colors for baseline trucks! I'm with you, don't need a Platinum edition truck and pay 20k more.....
Get the 4x4!