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I am searching for a used XF 3.0 Portfolio, around 2010ish and £14500 but there seems to be more choice of Premium Luxury. If I went for the Premium Luxury what would I be losing?
 

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Portfolio standard equipment

Folding rear seats
Front electric windows
Headlight washers
Heated seats
Height adjustable drivers seat
Leather seat trim
Metallic Paint
Rear electric windows
Sat Nav

Portfolio optional equipment

CD
CD Multichanger
DVD
Lumbar support
Service indicator
Space saver spare wheel
Sports seats

Premium Luxury standard equipment

Folding rear seats
Front electric windows
Heated seats
Leather seat trim
Rear electric windows
Sat Nav

Premium Luxury optional equipment

CD
CD Multichanger
DVD
Headlight washers
Height adjustable drivers seat
Lumbar support
Service indicator
Space saver spare wheel
Sports seats

http://www.parkers.co.uk/jaguar/xf/saloon-2008/specs/
 

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2010 and £14500. If you look around you can get 2013 models for that price.
 

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When I bought my portfolio 18 months ago the dealer sent me this from Jaguar before I went to see it:
Jaguar XF Portfolio S 2010 Vin 2010 Model parts

Htd/P-Fold/Mem/A-Dim/App.Light Mirror
Portable Audio Interface
Bowers & Wilkins 440W sound system
Heated/Cooled Front Seats
DAB Radio
Standards Style Seat
*Parking Aid Pack with Rear Camera
Touring Suspension
Alloy Space Saver Wheel
Tyre Pressure Monitoring System
20” Selena
Air Particle Filter
Servotronic Steering
Headlamp Powerwash
Rain Sensitive Wipers
Xenon Headlights
Heated Windscreen with timer
Keyless Entry
Intrusion Sensing
Three Rear Headrests
*Heated Leather Steering Wheel
*Television
CD Autochanger
Navigation + DRG + TIS
Navigation Disc Europe
Front Cup Holder
Cup Holder Rear
Jaguar Suedecloth Premium Headlining
Soft grain console
Soft grain Fascia – Contrast Stitch
*ACC with Advanced EBA
Memory Function
Drvr=16 way Pass=12 way
Split Rear Seat 60/40
Premium Footwell Rugs
*Blind Spot Monitor
Bluetooth Telephone Connectivity
*Electric Rear Sunblind
Automat Headlamp Leveling
*JaguarVoice (English UK)

The options are starred. This car is the best I have ever owned. I love the extras with it. It is a 2010 car (with the older style headlights). However I believe the later Portfolios had less options included.
 

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By 2013 the CD multichanger had been discontinued. I have a single CD player in the dashboard but have a USB, Multimedia option.
 
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