Extra technology brings with it additional maintenance,repair, etc. It does not sound like your needs would be met by buying the higher trim levels which come with turbo, GDI, and DCT since you value reliability over performance. It's a matter of personal preference. I can tell you that if you consider leather seats, a heads up display, much larger tires, built in navigation, wireless phone recharging (although that may now be available in the SEL or SEL plus level), you will need to buy the more expensive models. Realize that the ultimate model (top of the line) with all the niceties brings with it a price tag in the neighborhood of $30,000. For me, that is too high a price to pay for this level of SUV, and I would shop CRV\Rav4 models, or maybe Toyota Highlander.
I'm a leisurely driver, rarely go about 70 mph, never jack rabbit start, or try to out accelerate mustangs and BMW's. Speed, engine roar, an extra inch of infotainment system screen, built in navigation, automatic climate control and automatic high beams are features that hold little value to me. I spent the extra money on a bumper to bumper 10yr/100,000 mile warranty instead of just the powertrain, along with 3 yrs complimentary maintenance, some fancy seat protector which repairs rips and tears and spills, and i was out the door at 25k with just about every safety feature, sunroof, and gap protection in case the car is destroyed in an accident to cover the difference between what i owe and what the insurance company will pay out.
My only concerns are brakes, tires, and wipers.
Regardless of what you choose, the warranty will cover those expensive parts on the higher trim lines for quite sometime so the risk seems small. It's just that the benefit for me is not worth the extra coin. If i wanted all of these luxury items and more i would have bought a Mercedes or BMW so that i can get a free snapple while i wait for them to repair my fine german automobile!