I just made this decision and decided on the non ultimate 5.0. One major reason was I was buying used and didn't find any ultimates to even test drive.
The 14 speaker lexicon is very good, easily matches any mid level
aftermarket stereo except for the bass, which will not hit like a true 10-12 inch sub. However the highs and mids are excellent and the bass is adequate, just not really boomy. I doubt the ultimate would be that much different in this respect, but I could be wrong. I'm a audio guy and was big on
aftermarket stereos for years, this is more than loud enough for me as I push 40 years old and sound quality wise probably beats any stereo I could build myself without spending say 4-5 grand.
I drive quite a bit on crappy maintenance Missouri roads and the car soaks up the bumps. It's doesn't ride like a Maybach but it definitely does better than my previous car, a 14 Taurus SHO, which I felt was very comfortable. The cooled seats are excellent and very comfortable, with all the adjustments letting you set it just right. The cooling works really well, much better than the SHO, as it cools your back as well instead of just the seat bottom .
Handling wise, I can imagine the adaptive system is better, but the car does pretty well. On the back roads I can basically match my previous car speed wise around a corner with a smoother ride. Basically, either car will allow you to go faster around a corner on a public road than any responsible person would attempt (I don't want to kill minivan mom).
Without having tested one, the one thing I really wish I had was the HUD. Maybe it's a gimmick but the friends I had that had cars with them (GTPs back in day etc) really liked them and I think it would be neat.
I am unsure how the options packages work, but make sure you get the smart cruise control, the auto braking, etc etc. I won't buy another car without some sort of smart cruise. Lane keeping is also a must, although I am not all that impressed with this system (nor was I with Ford's version) as it will still sometimes not keep you in the lane and on at least one occasion it tried to take me down an offramp when I was going straight. Still nice to have for the moments you screw up and get distracted.
So far as AA/
Carplay, honestly I have not ponied up the 170 bucks to get it downloaded yet but probably will. Had it in a rental car last year and it was great, only annoyance is having to plug in your phone for it. Honestly, I don't think I will use it much except for long trips as my commute is thru rural Missouri. If you live and drive thru more urban areas with lots of traffic I can definitely see it being a absolute must have.
All that said, I am not sure I would pay all that much for the HUD and adaptive suspension. I don't really care about the trunk or having a bigger screen, and the heated
wheel in my SHO I barely used.