I think the Halogens these days are fine, I didn't realise that my old mans F11 didn't have xenons until we sold it, and I used it a lot at night.
They have moved on loads in the last 5 years.
Nav is so much more than just nav though, you get the whole media stuff.
I would want the app mode, and the online stuff, can you order that without nav?
If I havn't got nav I can live with a separate one, but when you have it you use it all the time, that is the big difference.