Im in Canada too and went through the same dilemna but heres my 2 cents:
Tech Package is great if you want Nav..otherwise I've heard a lot of negative reviews of backup Camera.
Premium is a must especially if you get the comfort seats but last I was told that comfort seats have been removed as of March prod in Canada however this pack INCLUDES the panoramic sunroof.
I was concerned as to ride quality woth Sports pack but having driven almost 3 times the sport and non sport model I foind very little diff in ride quality, but happy that I get a sportier ride.
Activity package unnecessary.
Rear Climate - dont know, didnt get it...put that money towards one of the other packages.
Dynamic Handling - considered this very carefully but read somewhere that $4700 is not justified as very minimal improvement in ride...double wishbone suspension anyway and very smooth.
So for me Tech,Sports and Premium was enough....I got the PDC as part of Tech and sunroof as part of Premium so all is taken care of.
Hope that helps.